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National Flood Insurance Program
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In response to recent flooding, the National Flood Insurance Program (NFIP) has developed the following materials to help you assist your policyholders as they recover from flood damage and navigate the flood insurance claims process.
In addition, the following tips may be helpful to residents returning to flood-damaged areas.
- Beware of Hazards. Check for damage, including structural damage before re-entering your home. Contact the appropriate professionals immediately if you suspect damage to water, gas, electric and sewer lines. Throw away water-damaged food including canned goods that have come in contact with floodwaters. Boil water until local authorities declare the water supply safe to drink.
- File your Flood Insurance Claim. Call your agent who handles your flood insurance to file a claim. Have the following information with you when you place your call: (1) the name of your insurance company (your agent may write policies for more than one company); (2) your policy number; and (3) a telephone number/e-mail address where you can be reached.
- Take photos. To make filing your claim easier, take photos of any water in the house and damaged personal property. If necessary, place these items outside the home. Your adjustor will need evidence of the damage and damaged items (e.g.: cut swatches from carpeting, curtains, chairs) to prepare your repair estimate.
- Make a list of damaged or lost items and include their age and value where possible. If possible, have receipts for those lost items available for the adjuster. Local officials may require the disposal of damaged items. If so, keep a swatch or other sample of the item(s) for the adjuster.
- Gather any documents, such as photos, receipts and itemized lists you made prior to the flood.
- Prevent mold and remove wet contents immediately.
- Work with the adjuster to calculate the damage in order to prepare an accurate estimate.
- Resources are available. The American Red Cross offers a free Repairing Your Flooded Home guide. This guide will help you as you first re-enter your damaged home.
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