How to File a Flood Insurance Claim: A Step-by-Step Guide

A flood insurance claim is an official request to your insurance provider for financial assistance after flood damage. It helps cover the cost of repairs, replacements, or other losses caused by flooding. If you already have flood insurance, understanding how to submit a claim properly can make a big difference in how quickly and smoothly you receive compensation.

Step 1. Contact Your Insurance Company

Your first step is reaching out to your insurance provider. Call them as soon as possible to notify them about the situation. They will guide you on how to start the claims process. Be sure to have your insurance policy number handy when you make the call.

Pro Tip: Write down the name of the representative you spoke with and any instructions they provide.

Step 2. Document the Damage

Next, take photos or videos of all the affected areas. Be as thorough as possible—you’ll need this evidence to support your claim. Focus on:

• Water levels inside and outside your home
• Damaged items like furniture or appliances
• Structural damage to walls, flooring, or ceilings

Make sure you don’t throw away damaged items until the adjuster has had a chance to review them.

Step 3. Complete a Proof of Loss Form

Your insurance company will likely require you to fill out a Proof of Loss form. This document serves as evidence of what you lost due to the flood.

Here’s what you’ll need to include:

• A detailed list of damaged or lost items
• The value of each item
• Supporting photos or receipts, if available

This form is crucial in moving your claim forward, so fill it out as thoroughly as possible.

Step 4. Meet the Insurance Adjuster

Once your claim is filed, your insurance company will send an adjuster to assess the damage in person. The adjuster will inspect your property and verify the losses you’ve reported. To make the process easier:

• Walk them through the damage
• Share your photos and documentation
• Be available to answer any questions

The adjuster’s job is to assess the costs of repairs and submit their findings to the insurer, so it’s important to show clear evidence during this step.

Step 5. Review and Settle

After the adjuster’s report has been processed, your insurance company will offer you a settlement based on their evaluation of your claim. Review the settlement carefully and confirm it covers the necessary repairs and losses. If you agree with the terms, you’ll accept the payout, and the funds will be sent to you.

What if I disagree with the settlement? Don’t worry. If you believe the settlement is not sufficient, you can appeal and provide additional documentation to support your case.

Step 6. Start Repairs

Once your claim is settled, use the funds to repair your home or replace damaged items. Make sure to follow all local regulations when proceeding with repairs and hiring contractors