Fast Flood Damage Recovery: Trusted Restoration Specialists

Recovering after a devastating flood event can be a daunting and time-consuming process. However, the National Flood Insurance Program (NFIP) by FEMA is dedicated to helping you get back on your feet quickly. Here is some essential information to assist you in filing a claim, documenting damages, working with your adjuster, making necessary repairs, and understanding the claim payment procedures.

Filing a Claim and Reporting Your Loss

To begin the claims process, ensure your safety first and then report your loss immediately to your insurance company or agent. If you’re unsure how to contact them, you can call the FEMA Mapping and Insurance eXchange (FMIX) at 877-336-2627.

When you speak with your agent, have your policy declarations page ready. Soon after reporting your claim, an insurance adjuster will contact you to schedule an inspection, either in person or remotely. If you don’t hear from them within a few days, don’t hesitate to contact your insurance company or agent again.

Preparing for the Inspection

Preparing for the inspection is crucial. The insurance adjuster will assess personal property damage, structural damage, and floodwater levels to estimate your claim. Organize information room by room, which should include:

  1. Photographs and Videos: Take photographs and videos of the inside and outside of your property before discarding anything.
  2. Household Appliances: Provide details like make, model, and serial number of large household appliances.
  3. Building Items: Collect samples of building items such as flooring, carpet, wallpaper, and drapes to show to the adjuster.

After taking photographs and videos of the damage, it’s essential to dispose of flooded contents and supplies, including perishable food items, clothing, and pillows, to prevent health risks. As an NFIP policyholder, it’s your responsibility to minimize the growth and spread of mold after a flo od. To learn more about safe and effective flood cleanup, visit to download the Homeowner’s and Renter’s Guide to Mold Cleanup After Disasters.

The Inspection Process

When your insurance adjuster arrives, they should provide proper identification and contact information, including their email address, phone number, and the name of their adjusting firm. During the inspection, they will answer your questions about the claim, explain the NFIP flood claims process, inspect the property for damage, discuss policy coverage and limits, and submit necessary documents to your insurer.

Remember, your flood insurance adjuster will never ask you for money, collect your deductible amount, or charge you a fee for their service.

Reviewing the Repair Estimate

The repair estimate provided by the adjuster will include visible damage observed during the initial inspection. Carefully review the estimate for accuracy and completeness. If you have any questions or disagree with the amount, signing a Proof of Loss will not prevent you from requesting additional payment if necessary. In case of disagreement or finding additional damage later, contact your insurance company or adjuster.

Fast Flood Damage Recovery

It’s essential to keep copies of all relevant documents, including receipts, bank statements, and contractor’s invoices, to ensure you receive a timely claim payment for future flood events, as you will need to document previous flood damage repairs.

Dealing with Restoration and Representatives

As you proceed with recovery, various organizations and agencies may send representatives to assist with your restoration. Always ask for identification and the purpose of the visit, especially if you are unsure or uncomfortable with anyone claiming to be an emergency management official. If you encounter anything suspicious, contact local law enforcement and the Disaster Fraud Hotline at 866-720-5721. Never give out personal information without verifying the authenticity of the request. Review “Who’s Knocking at Your Door” to learn more about representatives who may visit.

Before making repairs, thoroughly check the building’s electrical, water, HVAC systems, and structure for damage. If necessary, consult your insurance adjuster or company before entering any agreements with contractors. It’s crucial to choose licensed, bonded, and insured contractors and obtain written estimates, project descriptions, and timelines to protect your investment.

Research local building rules and regulations to prepare for meetings with contractors. If using a non-local contractor, ensure they are familiar with all permitting requirements and building regulations in your community.

Finalizing the Claim and Appealing Denials

Flood insurance protects the life you’ve built, and it may take four-to-eight weeks for a standard claim to be finalized and paid. The claim payment check will be made out to you and/or your mortgage company/lender, requiring additional sign-offs.

If your flood insurance company denies all or part of your claim, and you disagree with the denial, you have the right to appeal the decision to FEMA’s NFIP. The appeal must be submitted within 60 days after receiving the written denial letter from the insurance company.

Important Contact Information

For more information on the claims process, visit or call FEMA Mapping and Insurance eXchange (FMIX) at 877-336-2627. Keep important contact information for your adjuster and insurance agency readily available. Understand that they may be handling multiple claims in your area, and responses may take time. Remember that they are committed to ensuring you receive everything entitled to you under your flood insurance policy.

For more information about NFIP flood insurance, contact your insurer or agent, or call 800-621-3362.

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