Home owner’s and renter’s insurance policies generally cover most house flooding situations. What varies in an insurance policy are the deductables, coverage amounts, and repair values.
For the insurance company to pay for damages, you must first make the call, the insurer will send an adjuster to the location, and your claim will be filed followed by a decision on what and how much to pay for.
Contact Insurance Company – When you speak to a representative, be calm and provide as much detail regarding the flooding as you can.
Write Down and Follow Their Guidance and Instructions – Depending on the severity of the flooding, or if it is part of a larger weather event or natural disaster, the representative may have special or specific instructions for you. Take note and do as they ask, not following their guidance could lead to the denial of your insurance claim.
Remove or Relocate Valuables – Once you have spoken to the insurance company and followed their instructions, move your more valuable possessions to a dry location, or remove them from the house altogether.
If Flood Water is from a Natural Disaster Contact Emergency Relief or FEMA – In a major weather event or natural disaster, local, state and federal agencies will typically work with both homeowners and insurance companies to help mitigate such events.