Are You Prepared for a Flood? Learn how to File National Flood Insurance Policy Claims

Flood damage can have a serious impact on home and business owners. Especially for people who live in hurricane-prone areas. Have you checked to make sure your covered from flood damage? While filing an insurance claim may seem daunting, it can be as simple as starting with a phone call.  

If a customer has a flood policy through the National Flood Insurance Program (NFIP), he or she can simply contact a private insurance company, such as Allstate, to begin the claims process. If the flood has damaged an automobile that is covered by a comprehensive auto insurance policy, the policy owner should call the auto insurer to start the claim process. 

Allstate and the NFIP recommend five tips for filing flood insurance claims:

  1.     Gather all relevant policy information and numbers.
  2.     Take inventory of your home for damaged or lost items. Ideally, this would be done before your adjustor arrives to expedite the claims process.
  1. Be specific about the damage incurred as the result of the flooding. Call your insurance agent or company to file a NFIP claim so the claim is processed correctly.
  1.     Take photos of the damage. Photograph any water in the house and damaged personal property; the adjuster will need evidence of the damage and damaged items to help prepare your estimate. 
  1. Make sure your agent and claims adjuster know how to contact you. If you are in a shelter and not easily reachable, provide the name and contact information for a designated relative or point-of-contact who can reach you. 

Allstate policyholders who have purchased NFIP policies can begin filing flood insurance claims by calling 1-800-ALLSTATE, logging on to Allstate’s claim reporting website or contacting their local Allstate agent. 

The process for obtaining a flood insurance policy can be easy. Flood insurance is offered through the NFIP and policies are sold and managed by private insurance companies like Allstate. Residents are encouraged to consider their home’s risk for flooding based on location and talk to their local insurance agent well before they face the risk of rising water levels. Flood policies generally do not take effect until 30 days after purchase.

More information about purchasing a flood policy can be found on Allstate’s website or by going to www.floodsmart.gov

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