The resources listed below provide guidance for understanding and navigating the insurance claims process. They are designed to empower consumers with reliable information that can enable quicker recovery and rebuilding.

The National Insurance Association of Commissioners  has a comprehensive, easy to read Post-Disaster Claims Guide that covers filing an insurance claim. It provides good general information about claims adjusters, settling an insurance claim, deductibles, and money for additional living expenses. The Florida Office of Insurance Regulation has additional information for Florida residents.

The  insurance claims payment process is explained in an Insurance Information Institute blog article “Understanding the insurance claims payment process.”  It covers who gets the insurance check and the process for replacing lost personal items.

Flood Damage

Homeowners insurance does not cover flooding. Damage from a flood is covered by flood insurance. National Flood Insurance Program (NFIP) policy holders can contact their insurance agent to file a claim. Anyone who doesn’t know who their insurance agent or company is, may call 877-336-2627.

Policyholders should be sure to ask their insurance company about advance payments to receive up to $20,000 to jumpstart recovery.

Before beginning repairs to a flooded home, be sure to check with local officials about applicable building codes and floodplain management requirements.

Find out more about filing a NFIP insurance claim.

FEMA’s Individual and Households Program (IHP) provides financial and direct services to eligible individuals and households affected by a disaster, who have uninsured or under-insured necessary expenses and serious needs. Assistance may include funds for temporary housing and home repairs.

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