How long does a flood insurance claim take, can I get money early, and what if I disagree?

FloodSmart is the flood program's site. It lists these steps [1]: • Report the flood and your loss to your insurer as soon as you can. An adjuster will inspect after you file. • Take photos and videos of the damage. Write down the make, model and serial number of appliances. • Ask the adjuster to show you a Flood Control Number card. • The adjuster will write a damage estimate. Check it with care. • Talk to your agent or adjuster before you sign with a cleanup company.

Timing: It can take four to eight weeks before a claim is paid. In rare cases it takes longer. If you have a mortgage, the check names you and your lender [1].

Early money: In major floods, FEMA allows advance payments. Your insurer may offer up to $5,000 without an adjuster's visit or papers. With approval and papers, you may get up to $20,000 [1].

If you disagree: You can appeal if some or all of the claim is denied. You can also appeal the amount. You can talk to your adjuster or insurer, appeal to FEMA, or file a lawsuit [1].

Open FloodSmart's "How do I start my flood claim?" and read each step. Your policy papers and your adjuster give the dates for your own claim.