Starting Your Recovery:.pdf

Recovering after a flood event takes time and can be overwhelming. FEMA's National Flood Insurance Program (NFIP) helps get you back on your feet faster. To start the claims process, report your loss to your agent or insurance company, and have your policy declarations page ready. An insurance adjuster will contact you to schedule an inspection, documenting damage and preparing a claim estimate.

Prepare for the inspection by photographing and videoing damage, providing information on household appliances, and collecting samples of building items. Throw away flooded contents and supplies that pose health risks, and take steps to minimize mold growth.

When working with your insurance adjuster, they should answer questions, discuss the claims process, inspect your property, and explain policy coverage and limits. Submit necessary documents to substantiate your loss, and review your repair estimate carefully.

Make repairs by checking electrical, water, and HVAC systems, and consult your insurance adjuster before signing contracts with contractors. Research local building rules and regulations, and get estimates in writing.

Understanding claim payments, flood insurance protects your investment, and it can take four-to-eight weeks for a standard claim to be finalized and paid. If you disagree with a claim denial, you have the right to appeal within 60 days. Keep key contact information for your adjuster and insurance agency, and visit FloodSmart.gov for more information.