STEP ONE:
If you have experienced a flood, contact your agent or insurance company immediately. They will assign a claims adjuster to help you evaluate your loss and file your flood insurance claim. Have the following information ready:
If you will be going to a shelter or will be out of reach, provide your agent with a trusted point-of-contact (friend, relative) who can reach you if necessary. If an adjuster has not been assigned to you within a few days of your phone call, contact your insurance agent or company again.
STEP TWO:
Separate damaged from undamaged property. Do not throw out damaged property before your adjuster has seen it unless it may be a health hazard or could impede local cleanup.
STEP THREE:
Make a list of all damaged or lost items. Work with your adjuster to itemize your claim and calculate the value of the destroyed items by applying your detailed inventory against your damaged or lost property.
STEP FOUR:
File a Proof of Loss within 60 days of the flood. Your official claim for damages is called a Proof of Loss. This sworn statement, made by you, substantiates the insurance claim and is required before the National Flood Insurance Program (NFIP) or insurance company can make payment.
Your claim is payable after you and the insurer agree on the amount of damages and the insurer receives your complete, accurate and signed Proof of Loss. If major catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer number of claims submitted.
Remember: To stay covered, you must renew your policy each year.
Claims Assistance / Support Materials
Flood Insurance Claims Handbook [PDF 328 KB]
Tips for Filing Your Flood Insurance Claim [PDF 60 KB]
Appealing Your Flood Insurance Claim [PDF 52 KB]
After the Flood Tips from the NFIP [PDF 56 KB]
http://www.fema.gov/library/viewRecord.do?id=1413
500 C Street SW, Washington, D.C. 20472
Disaster Assistance: (800) 621-FEMA, TTY (800) 462-7585
U.S. Department of Homeland Security
FEMA Home | Contact FEMA |
Privacy Policy | Important Notices |
FOIA | USA.gov | DHS