To start a claim, first, you must contact your insurance company. Have your policy number when you call and provide a phone number or email address you be reached at. Your adjuster should contact you in a few days. Also, be aware that policyholders with the National Flood Insurance Program must follow certain guidelines of their flood policy when cleaning up.


Be aware that policyholders with the National Flood Insurance Program (NFIP) must follow certain guidelines of their flood policy when cleaning up. Take extensive photographs and videos before you begin cleanup to document damages accurately. Show things like structural damage, standing water, evidence of floodwater depth inside and outside the home, and damaged appliances. Include the make, model, and serial number in photographs of any items you can. Good documentation of the damage will help your adjuster. Throw out items that are a health risk (like spoiled food and pillows) after you photograph them and keep samples of home items like carpet, drapes, or wallpaper for adjuster inspection. As you go through cleanup, make a list of anything that has been damaged or lost and include the date of purchase, value, and receipts if you have them.


When an adjuster comes to inspect, have all the previously explained documentation available. The claims adjuster should show you their official identification (Driver’s License and Company ID or Flood Control Number [FCN card]). The adjuster should NEVER collect any payment from you or your deductible. 


You must also complete a Proof of Loss form, which is a sworn statement of the amount you are claiming and supporting documentation. Each company may have different requirements for a Proof of Loss form. Keep receipts for any items you've replaced and contractor invoices for repairs to provide your adjuster. Your adjuster can help you with this. Make sure you complete this form and give it to your insurance company within 60 days of the flood event. Keep receipts for any items you've replaced and contractor invoices for repairs to provide your adjuster.


The Claims Handbook from the Federal Emergency Management Agency (FEMA) is a valuable tool you may find useful when filing a claim.