Big Waves Under Cloudy Sky

4 Steps in Flood Claim Process

A flood can be a traumatic event, and the recovery process can be daunting. Fortunately, there are steps you can take to make the process smoother. This blog post will outline the steps for making a flood insurance claim. Read on to learn more!


Here are the top 4 steps when filing a flood claim.

1.Report the Claim

The first step is to report the claim as soon as possible. This will start the insurance process and help to ensure that your claim is filed correctly.


You should contact your insurance company or agent and let them know about the flood damage. They will likely ask for some basic information, such as your policy number and a description of the damage.


If you have a National Flood Insurance Program (NFIP) policy, you will need to call the NFIP at 1-800-427-4661 to report the claim.

2. Prepare For Inspection

Once you have reported the claim, an insurance adjuster will be assigned to your case. This person will contact you to schedule an inspection.


It is important to be prepared for this inspection. Gather all of the relevant documentation that you have, such as photos of the damage, receipts for repairs, and any other records that will be helpful.


For items like washers and dryers, you will need to provide the model and serial number. For clothing or other personal items, it is helpful to make a list of what was lost or damaged. The adjuster will also want to see any proof of ownership that you have, such as receipts, appraisals, or photographs.


For your building items, such as carpeting or cabinets, you will need to show the age of these items. The adjuster will also want to know how much it would cost to replace these items.

3. Work with the Adjuster

The adjuster’s job is to assess the damage and determine how much the insurance company should pay. It is important to be cooperative with the adjuster, but you should also be aware that they work for the insurance company, not for you.

You have the right to ask questions and get clarification on anything that you do not understand. If you disagree with the adjuster’s assessment, you can ask for a re-inspection. You can also hire your own independent adjuster to give you a second opinion.

4. Receive Payments

During the inspection, the adjuster will assess the damage and determine how much you will receive for the claim. They will also provide you with an estimate of the repairs that need to be made.


Once the inspection is complete, the insurance company will send you a notice of benefits, outlining how much you will receive for the claim. You will then have the option to repair the damage yourself or work with a contractor.


If you choose to work with a contractor, be sure to get multiple bids and choose a reputable company. Once you have chosen a contractor, they will begin the repairs. The insurance company will send you periodic payments as the work is completed.



Making a flood insurance claim can be a stressful process, but it is important to follow the proper steps to ensure that you are fairly compensated. If you have any questions or need assistance, be sure to contact your insurance company or agent. They will be able to help you through the process and answer any of your questions.



Need Additional Disaster Relief Info?

    • Keller Williams Advantage Realty
    • 59 Alafaya Woods Blvd. Oviedo, FL 32765
    • Call Us
    • Email Us
    BuildersUpdate update SpotlightBuilders Update

    Subscribe To Our Newsletter

    Want the latest real estate news in Central Florida? Sign Up For Our Newsletter!


    Thank you! We have received your information and will send you our weekly newsletter.

    Discover more from ACTS Home Team

    Subscribe now to keep reading and get access to the full archive.

    Continue reading