Questions & answers · Flood insurance

Flood insurance claim questions

41 short answers. Each one quotes the official rule it is based on, with the date we checked it. Information only — not legal advice.

Any state · federal rules (41)

A landslide or mud damaged my house after heavy rain. Does flood insurance cover it?Denied
After a flood, can I keep the damaged property, or can I give it to the insurance company?How to file
After a flood, is my refrigerator or stove covered as part of the house, and is my washer covered as my belongings?Who pays
After my NFIP flood claim was denied, how long do I have to sue, and where?Deadlines
Before the flood came, I moved my furniture to another place. Does the federal flood policy cover the move and the things I moved?Who pays
Can my state insurance department help me with a problem on an NFIP flood claim?Complaint / outside review
How long does a flood insurance claim take, can I get money early, and what if I disagree?How to file
I bought flood insurance right before the storm. Will it pay?Who pays
I bought sandbags and pumps before the flood and had to clear debris after. Does flood insurance pay for that?Who pays
I filed a flood insurance claim. When will the adjuster contact me and what should I ask?How to file
I have a federal flood policy and a private flood policy. If both cover the same loss, how do they share the payment?Who pays
I paid my flood insurance renewal late. How long does the federal policy give me, and what if I never got the renewal notice?Denied
Mold grew in my house after the flood. Will my NFIP flood insurance pay for the mold?Denied
My basement flooded. Does NFIP flood insurance cover it?Who pays
My belongings were in a carport that is open on the sides, and the flood carried them away. Does the federal flood policy cover them?Who pays
My city says my flood-damaged house must be raised or changed to meet local rules. Does flood insurance pay for that?Who pays
My detached garage flooded. Is it covered under my NFIP flood policy?Who pays
My flood claim was paid but I found more damage later. Can I ask for more money?Other
My flood insurer asked for more documents and for me to answer questions under oath. Does the policy allow that?How to file
My flood insurer paid less than I expected. Can I ask for an appraisal, and does it affect my right to appeal to FEMA?Paid too little
My flood insurer paid less than the repair cost. Is that because of depreciation, and can I get more after I finish the repairs?Paid too little
My flood insurer says I paid too little premium. What happens to my coverage and to a claim?Denied
My home flooded and I have an NFIP flood policy. How do I start the claim and appeal a denial?Appeal
My home flooded. What should I record and keep before I clean up or hire a repair company?How to file
My house flooded and I cannot live in it. Does my flood insurance pay for a hotel?Who pays
My house was being built when the flood came. Does the federal flood policy cover a building under construction and the building materials?Who pays
My jewelry, art, and cash were damaged in the flood. How much does flood insurance pay for them?Who pays
My mobile home flooded. Does the federal flood policy cover it, and does it matter how it was tied down?Who pays
My NFIP flood claim was denied. How do I count the 60 days to appeal to FEMA and how do I send it?Appeal
My rental house flooded and I lost rent. Does the federal flood policy pay for lost rent or lost income?Who pays
My trailer was flooded and I have no insurance. Does the federal flood policy cover a trailer or RV?How to file
Part of my flooring was damaged by a flood. Does the federal flood policy pay to replace the whole matching set?How to file
Rain came through my roof during a storm. Does my flood insurance pay?Who pays
Sewage backed up into my basement. Does flood insurance pay for the sewer backup or sump pump overflow?Denied
The flood had already started when I bought my flood policy. Will the federal policy pay for the damage?Denied
The flood washed out my yard, trees, driveway, and septic tank. Does flood insurance pay for them?Denied
The power went out because of the flood and the food in my freezer spoiled. Does the federal flood policy pay?Who pays
What is a proof of loss for my NFIP flood claim and when is it due?Deadlines
What is my flood insurance deductible?Who pays
What is the deductible on an NFIP flood insurance claim?Who pays
When does my flood insurer have to pay after I send the proof of loss, and what if it rejects the proof of loss?Slow or stuck