Filing A Claim – Follow our 5 easy steps
After flood damage has occurred and it is safe to return to your home, the first thing to do is file a report. You can file a report through one of the following options:
- It’s best to contact your agent or your insurance company first when reporting a flood insurance claim, or
- Report online at MyFlood.com if you have a flood insurance policy with one of the companies listed here Providers, or
- If you can not reach your agent, you can always contact our Claims Department, we have agents available to place your claim 24-hours a day 7 days a week. You can contact us on this emergency number 1.800.759.8656.
It is very important to ensure that you record proof of flood damages to your property. However, before you do so, please ensure that it is safe to enter your building. Once you are sure it is safe, take as many pictures and videos of your flood-damaged property as possible. It is important to capture both inside and outside your building.
Note: Ensure that you capture the make, model and the serial number of all electronic equipment damaged by the flood.
Ensure that you throw away items that pose a health risk, for example, perishable food, spills, and other harmful substances after taking pictures of them. Samples of other items like curtains, flooring, and furnishing should be kept for inspection.
An adjuster is assigned to each claim and investigates insurance claims by visiting the site and inspecting damage. Based upon the inspection of damages your adjuster will work with you and the insurance company to determine the amount of damages that will be paid for your claim.
After a few days, typically between 2 to 4 days from the time you officially filed a claim, you should get a call from your flood insurance adjuster for an inspection. When your adjuster arrives, ensure that he/she properly identifies themselves to you. Ask to see an official office identification before allowing them access to the property. During the inspection, your adjuster will work with you to determine an accurate estimate of your covered flood damage and provide you with a proof of loss form for you to sign. Your adjuster might also answer any questions you have regarding flood-proofing or increasing your flood insurance coverage.
After your adjuster has completed their inspection, you will receive a package from your insurance carrier, this package will contain your adjuster’s report and a check that is either in your name or that of your mortgage company. Carefully review the adjusters report and confirm that everything is in order before depositing this check.
Additional Resources & FEMA Documentation