How Do I File A Flood Insurance Claim?

Having a flood can cause a lot of damage to a home and also put a lot of stress on a person. If you have flood insurance, you’ll want to file a claim with your insurance company right away. By filing your claim immediately, you’ll receive monetary compensation for anything that was damaged or lost during the flood. Filing a flood insurance claim can give you peace of mind and leave you at ease while you repair your home.

Step 1: Notify Your Insurer To Start The Claims Process

Contact your agent or insurance company to file a claim. The information that you will need to do so is the name of your insurance company, your policy number, and your telephone and/or email address. After contacting them, they will assign an adjusting firm and an adjuster within a few days.

Step 2: Document The Damage

Make sure to separate damaged property from undamaged property. Adjusters need evidence of the damage to your home and possessions in order to calculate your repair cost. Take pictures of all of the damaged property, including discarded objects, structural damage, and floodwater levels. Also compile a list of all damaged or lost items and their value. Adjusters will inspect the damage and provide an estimate of the covered flood damage.

Step 3: Complete A Proof Of Loss To Support Your Claim

Your adjuster will help you prepare a Proof of Loss, which is a sworn statement of the amount you are claiming. It comprises of, the estimate of covered flood damage, the proof of loss form, and any other supporting documentation. You need to file a Proof of Loss with your insurance company within 60 days of the flood, and is required before your insurance company can make a payment.


With over 22 years of experience in flood drying and clean up, we use the most modern methods available to remove excess water from your home! If you experience flooding in your home, call us today at 978-392-1895!