Helpful Flood Claim Suggestions

Initial steps to follow should your client have damage as a result of a flood:

• The policyholder should promptly contact our claims service center directly.
• Contact information will vary based on the product as shown on this page.
• Alternatively you may submit the claim on behalf of your policyholder.

What information is needed to report a claim?

• Declaration page of the flood policy.
• The date water entered the property and approximate water level.
• Name of mortgage lender, if any.
• Current personal contact information for the policyholder.
• If a home phone is unavailable, a mobile phone number or agent/friend/family member’s phone number will suffice.

Important actions to take when confronted with a loss from flood damage:

• Protect the property from further damage or loss by following these steps:
  • Board up broken or damaged doors and windows using plywood or other suitable material.
  • Cover any roof openings with tarps, if it can be done safely.
  • Safely move, cover and protect personal property to prevent further damage.
  • In case of theft or vandalism, immediately notify local authorities.
• Document damages:
  • Take a room by room inventory of damages to dwelling and all personal property.
  • Take photographs of all damaged areas and items.
  • If the carpet and pad have been saturated, you may need to cut and remove it.
  • Save a small section (2 feet by 2 feet) to show the adjuster.
  • Follow the same procedure for saturated drywall.
• Maintain an accurate record of repair costs:
  • Retain copies of paid invoices.
  • Keep receipts of expenditures made to repair and protect personal property.