How to File Flood Insurance Claims and Get Compensated

Insurance Claims How to File Flood Insurance Claims and Get Compensated

How to File Flood Insurance Claims Online

A flood is a natural disaster caused by hurricanes, heavy rainfall, melting snow, dam breakages, and more. The logical step after experiencing flooding is filing a flood insurance claim.

You may have various questions about what the insurance covers, how you can file an insurance claim, and what happens after filing one. DoNotPay has all the answers.

What Does Flood Insurance Cover?

Flood insurance claims fall under the category of property and casualty claims. The insurance coverage will depend on the company from which you purchased your insurance policy. In most cases, the National Flood Insurance Program (NFIP) provides flood insurance. The Federal Emergency Management Agency (FEMA) manages NFIP.

NFIP has two types of coverage. Find the details in the table below:

Coverage TypeWhat It Covers


  • Furnaces and water heaters
  • Electrical and plumbing systems
  • Permanently installed carpeting
  • Detached garages
  • Window blinds
  • Refrigerators, cooking stoves, built-in appliances like dishwashers
  • Permanently installed cabinets, paneling, bookcases, etc.
  • Fuel, pumps, well water tanks, and solar energy contraptions
  • Staircases, foundation walls, and anchorage systems


  • Curtains
  • Microwave ovens
  • Washers and dryers
  • Portable and window air conditioners
  • Carpets not included in building coverage
  • Valuable items such as original artwork and fur (up to $2,500)
  • Personal belongings, like clothing, furniture, electronic devices, etc.

The building and contents coverage doesn’t include:

  • Personal property that you keep in a basement
  • The financial loss caused by the interruption in business operations
  • Temporary housing and additional living expenses that occurred while the building was vacant
  • Precious metals, stock certificates, and other valuable papers
  • Cars and other self-propelled vehicles
  • Property that’s outside the insured building, such as wells, fences, patios, hot tubs, landscaping, septic systems, or swimming pools

What Happens When You File a Flood Insurance Claim?

After you file an insurance claim, the company will send an insurance adjuster to assess the damage. The adjuster will also give an estimate of proper coverage. The process of claiming a flood insurance policy will have the following steps:

  1. The adjuster will assess the flood and water damage
  2. They will give an appraisal of how much the company should pay you
  3. The company will mail you a proof of loss, which is a document that includes the amount of money you’re requesting for the flood insurance claim
  4. You’ll need to sign a proof of loss document and mail it back to the insurer
  5. The insurance company will process the claim payment request and mail you the payment via U.S. Mail within five to ten business days

How To File Flooding Insurance Claims by Yourself?

When you experience a disaster that led to a flood, you’ll want to file an insurance claim fast. Here are the steps that you’ll need to take to file a flood insurance claim by yourself:

  1. Report your loss to your insurance provider
  2. Schedule an appointment with the adjuster
  3. Clean out the debris and make sure your home is safe for you to return—throw out anything that might be a health risk
  4. Take account of your loss and document it—take photos and videos of the damaged assets
  5. Document and take pictures of the electronic appliances’ makes, models, and serial numbers as you’ll need them when the adjuster comes
  6. Meet with the adjuster and get their estimation of the damage—the adjuster will never charge a service fee
  7. Get paid—the payment will depend on the documentation you provided and on the assessment of the adjuster

The process is time and energy-consuming, and it’s easy to make an error that could lead to your claim being rejected.

DoNotPay Can Help You Through the Flood Insurance Claims Process

Insurance claims should protect insurance policy owners, but most people won’t even consider filing an insurance claim because the process is unnecessarily complicated. The insurance companies try to avoid covering the damage, and they tend to postpone the payout as much as they can.

After you decide you want to file your flood insurance claim with DoNotPay, you only need to open our platform in any web browser and follow these steps:

  1. Enter a keyword into the search field—Flood Insurance Claim
  2. Provide general information, such as the policy number and your contact information
  3. Give a detailed description of the incident and why you’re filing the insurance claim
  4. Enter the total cost of the repairs
  5. Submit your claim

DoNotPay will generate the insurance claim letter and send it on your behalf. The company will contact you directly if they have any follow-up questions about your case.

Since our platform is resourceful, we’ll help you with other insurance issues, such as accident or unemployment insurance claims.

DoNotPay is here to help policyholders file insurance claims easily and get the money that’s rightfully theirs. We can help you with:

You can use our app for any insurance company.

How To Appeal a Denied Insurance Claim With DoNotPay

You can appeal rejected claims with the help of DoNotPay. Our chatbot will ask you questions and generate an appeal letter using the information you provided. 

DoNotPay is especially useful if you lack time. If you file an insurance claim or an appeal with us, you’ll be over with it in five minutes tops.

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DoNotPay Helps You Fight for Your Right 

Do you feel like a company has wronged you? Don’t let them win—sue them in small claims court with our assistance! Our app will prepare all of the necessary documentation and help you win the case stress-free!

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