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Claim guide
Flood Damage Claims
Flood-related losses may involve separate policies or specific requirements. Before cleanup, document damage where it is safe to do so, and contact every potentially relevant insurer for instructions.
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First steps to consider
- Do not enter a flooded building until authorities say it is safe; watch for electrical, structural, and contamination hazards.
- Report the loss promptly to the insurer or insurers that may apply and ask about inspection and documentation requirements.
- Photograph waterlines, affected rooms, systems and belongings before removing or discarding items, when safe.
- Keep damaged materials or belongings where practical until they have been documented or inspected; if disposal is necessary for safety, photograph and list them first.
Get organized
What to gather
- Policy information and insurer contacts for any property or flood coverage
- Photos of water levels, waterlines, affected rooms and damaged contents
- A dated inventory of damaged property, with receipts or records where available
- Cleanup, drying, temporary housing and repair invoices, plus any inspection or mitigation reports
What happens next
How the claim process usually goes
- 1
The relevant insurer confirms how the loss should be reported and what inspections or forms are needed.
- 2
The damage is documented, including building components, contents and cleanup work as applicable.
- 3
The insurer reviews the cause, supporting records and policy terms; requests for information may follow.
- 4
Keep copies of submissions and deadlines, and ask the insurer to explain any difference between the observed damage and its repair scope.
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