Flood and storm-surge property losses

Understand immediate flood safety, careful documentation, and why coverage may involve different policies.

Wait for an official all-clear

Floodwater can hide electrical, structural, sewage, chemical, and debris hazards. Follow local officials and do not enter an unsafe building or drive through floodwater.

Record conditions safely

Photograph water lines and affected property only from safe locations. Note the time, source if known, and areas affected. Keep receipts, communications, and repair records.

Ask about the applicable policy

Flood, wind, and rain damage can be treated differently, and a separate flood policy may apply. Report the loss promptly and ask each insurer what inspection and documentation it requires. Do not assume a general homeowners policy covers every flood event.

This is general information, not a coverage determination. Consult your policy and qualified professionals.

Source references

• Ready.gov — floods
• FEMA FloodSmart — flood insurance information

Explore related losses

• flood
• hurricane
• water

Educational information, not legal advice or a coverage determination.