Hurricane Harvey – National Flood Insurance Program

Hurricane Harvey Disaster Recovery Guide
Steps to File a Claim

Step One: Notify Your Insurer

After experiencing a flood, contact your agent or insurance company to file a claim. Make sure you have the following information handy:

  • The name of your insurance company
  • Your policy number
  • A telephone and/or email address where you can be reached at all times

An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, you can contact your insurance agent or company again.

Step Two: File Your Claim

Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.

  • Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.
  • Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.
  • Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.

Step Three: Complete a Proof of Loss to Support Your Claim

Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. A Proof of Loss can be many things, but must contain the specific details set forth in the Standard Flood Insurance Policy. You’ll need to file your Proof of Loss with your insurance company within 60 days of the flood. This document substantiates the insurance claim and is required before the National Flood Insurance Program (NFIP) or insurance company can make payment.

You’ll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss. If major catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer number of claims submitted.

Unsatisfied With Your Claim Payment?

If after you receive a denial letter (for all or some of your flood insurance claim) from your insurer you are unsatisfied with the dollar amount being offered for flood-loss repairs or replacements, you may explore other options. These options are only available for policyholders who have received a denial letter.

If you are not a policy holder and feel that your damages may be beyond your current financial situation to resolve on your own, contact us (form on the right side). We have several program options in place to help home owners in these situations.

Need Additional Assistance?

If you still have claim questions, try searching this site or glancing through the page titles on the left side of this page (in the navigation menu) to look for answers. If that doesn’t help, visit our Got a Problem? page.