Below is an explanation on the flood claims process and steps to follow as you file and work with your insurance adjuster and agent.
Prepare for floods: Flood loss avoidance is a protective action you take to minimize flood damage and losses to your buildings and personal property before a flood occurs. National Flood Insurance Program policies will cover up to $1,000 in reasonable expenses incurred to protect your insured property, and up to $1,000 to move your insured property away from a flood or imminent danger of a flood.
NFIP policyholders must follow the Guidelines of their flood policy when cleaning up. Read the U.S. Department of Environmental Protection Agency’s Homeowners’ and Renters’ Guide to Mold Cleanup After Disasters.
Document your damage
Before discarding items policyholders should be sure to document their damage using photos and or videos. The policyholder should retain, for the adjuster, samples or swatches of carpeting, wallpaper, furniture upholstery, window treatments, and other items where the type and quality of material may impact the amount payable on the claim. For appliances–like washers, dryers, stoves, etc.–take photos of the appliance and their serial numbers (best to take photos of them before moving them outside for disposal). If you have receipts for them that could also be helpful for you adjuster. Properly documenting damaged property is critical for your flood claim, so discuss what your policy requirements are with your insurance agent and adjuster.
Even if you have flood insurance, apply for FEMA disaster assistance
Disaster Survivors with Flood or Homeowners/Renters Insurance are Encouraged to Apply for Disaster Assistance whenever there is a flood and a Presidential Disaster Declaration has been granted to help its survivors. For flood insurance policyholders who apply and are found eligible, FEMA disaster assistance could help pay for things like temporary housing assistance, which is not covered by flood insurance. The only way to know if this assistance is available, is to apply.