Questions & answers · Flood insurance
My flood insurer asked for more documents and for me to answer questions under oath. Does the policy allow that?
Flood insuranceHow to fileChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: FEMA · Standard Flood Insurance Policy, Dwelling Form (44 CFR Part 61, Appendix A(1)) · Art. VII.G.6 and H.1, H.2 View original ↗
In short
- The federal flood policy lists things the insurer may ask for after a loss.
- They include showing the damaged property and, under oath, answering questions.
- They also include books, bills and proof that earlier flood damage was repaired.
What this means
This answer is about the federal National Flood Insurance Program (NFIP) Dwelling Form policy only.
The policy says you must cooperate with the adjuster or representative in the investigation of the claim. It also lists "Our Options After a Loss." At times and places the insurer designates, you must show the damaged property, submit to examination under oath (not in the presence of another insured), and permit the insurer to examine and copy your other property insurance policies, the deed, and books of accounts, bills and invoices about the damaged property.
The insurer may also request in writing a complete inventory of the lost or damaged property. That inventory can include quantities and costs, actual cash values or replacement cost, amounts of loss claimed, any written repair plans, and evidence that prior flood damage has been repaired.
The sources do not say how long you have to answer such a request. Check the date in the insurer's written request.
Your next step
Ask the insurer to put each request in writing and keep copies of what you send. The policy gives no deadline of its own, so use the date in the insurer's letter.
Check it yourself
Open the eCFR page and read Article VII, section H, "Our Options After a Loss."
Where this comes from (1)
[1] FEMA · Standard Flood Insurance Policy, Dwelling Form (44 CFR Part 61, Appendix A(1)) · Art. VII.G.6 and H.1, H.2 · checked 2026-11-06
6. You must cooperate with the adjuster or representative in the investigation of the claim. … H. Our Options After a Loss Options we may, in our sole discretion, exercise after loss include the following: 1. At such reasonable times and places that we may designate, you must: a. Show us or our representative the damaged property; b. Submit to examination under oath, while not in the presence of another insured, and …
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
Related answers
- How long does a flood insurance claim take, can I get money early, and what if I disagree?
- I filed a flood insurance claim. When will the adjuster contact me and what should I ask?
- Part of my flooring was damaged by a flood. Does the federal flood policy pay to replace the whole matching set?
- My trailer was flooded and I have no insurance. Does the federal flood policy cover a trailer or RV?
Answer id CQ3067. Spotted an error? Tell us.