The Texas Department of Insurance (TDI) reminds flood victims to document damage and file insurance claims right away.
For home damage
- If you have flood insurance and your home flooded, call your company to file a claim as soon as possible. If you have a policy through the National Flood Insurance Program (NFIP), call 877-336-2627. NFIP policies require you to file a claim within 60 days.
If you have a flood policy through your insurance company but can’t find their phone number, we can help. Call the TDI Help Line at 800-252-3439.
- Not sure if you have flood insurance? Most home and renters policies don’t cover flood damage, but there are exceptions. Even if you don’t have flood coverage, you might need a denial from your insurance company to apply for disaster assistance if it becomes available.
- File a home insurance claim if you have other types of damage. Most home policies cover damage from wind or falling tree limbs. They’ll also cover damage to fences.
- Take photos or video of the damage as soon as it’s safe. Don’t throw away damaged items until you talk to your insurance adjuster.
For auto damage
- File an auto claim if your car flooded. Your auto insurance policy will cover flood damage if you have comprehensive coverage.
- Take photos or video of the damage. If it’s safe to do so, also take pictures of your car in the water.
- Talk to a mechanic before trying to dry out a car that got water inside. It may have hidden damage.
If you have insurance questions, call the TDI Help Line at 800-252-3439.
Resources
- National Flood Insurance Program: How to file a claim
- Flooded cars: What to know about insurance claims and repairs
- When are water damage and mold covered by insurance?
- Can I make an insurance claim for additional living expenses?
- Steps to getting your home or car insurance claim paid
- How to avoid contracting scams