When you file your flood claim, ask about an Advance Payment. You may qualify for an Advance Payment before your adjuster arrives to inspect your damage. Please note, the advance is not a payment for non-covered Additional Living Expenses, like temporary housing. Advance Payments can also be requested after the adjuster inspects for damage.
Flood Insurance: Get Covered or File a Claim
- Call the insurance agent who handles your flood
insurance to file a claim. Be sure to have your
insurance company name and your policy number
with you when you place the call. Ask your agent to
email you a copy of your policy and declarations
page for easy access and reference for other
- The National Flood Insurance Program (NFIP)
offers additional coverage to qualified policyholders
in high-risk areaswhose property has been declared
by a local official to be substantially damaged by
flood. This coverage can help pay for the costs of complying with local ordinances, and reduce
the risk of damage from future floods. To learn more, visit: http://www.fema.gov/increased-costcompliance-coverage.
- Discuss with your insurance agent the options for flood insurance coverage and waysto maximize
the discounts on your flood insurance premium.
- To learn more about the NFIP or find an insurance agent, visit: http://www.fema.gov/nationalflood-insurance-program or call 1-800-427-4661
Know Your Updated Risk
- Visit the FEMA Map Service Center for answers to frequently asked questions, and tips to
rebuild better and safer at: http://msc.fema.gov/portal.
- Clickable .PDF maps and other resources are available on the FEMA Risk Mapping, Assessment
and Planning web page at: http://www.fema.gov/risk-mapping-assessment-and-planning-riskmap.
Build Back Stronger and Safer
- If you are thinking about or intend to rebuild, contact your local floodplain administrator or
building official for information about local building codes and permit requirements. These
individuals are typically found in your local building department or are known by local clerk
- Discuss with your builder or contractor the options for elevating and strengthening your home
against future floods. For ideas and resources, visit: http://www.fema.gov/mitigation.
The higher you build above minimum required standards, the lower your flood
insurance premium will usually be.