Flood Insurance

If you have suffered a loss from a flood, please report your claim to your agent or carrier as soon as possible. Expect to be contacted by a flood certified adjuster for an appointment; in major catastrophe situations, initial contact may take more than 24 hours. See the document links below for helpful information.

Begin to Help Yourself:

Take Photos

Take photographs of your building and content damage as much as possible...
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Clean Up

You may begin clean-up and tear-out on a limited basis, and the sooner the...
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Inventory

Make an inventory of damaged personal property on a room by room...
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Contents Inventory Worksheet (Excel) +
Contents Inventory Worksheet (PDF) +

Deliver to Adjuster

Give your photos and inventory worksheet to the adjuster as soon as possible.

When the adjuster arrives for the inspection, walk through the damaged areas with them and have the adjuster give you an idea of items to be repaired and/or replaced in the building. Ask the adjuster for an advance payment on your loss.

Your flood insurance policy requires you to complete a proof of loss and document your claim within 60 days from the date of loss. Please make sure you do not exceed this 60-day condition of your policy, or your loss may be denied.

What To Do
FEMA Handbooks
Flood Insurance Policies
Additional Information