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Texas Department of Insurance
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August 24, 2022

Insurance claim tips for Texas flood victims

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The Texas Department of Insurance (TDI) reminds flood victims in North Texas to document damages and file insurance claims quickly.

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 us at 800-252-3439.

  • Not sure if you have flood insurance? Most home and renters policies don’t cover flood damage, but a few do. Even if you don’t have flood coverage, you might need a denial from your insurance company to apply for federal disaster assistance if it becomes available.
  • File a home insurance claim if you have other 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 policy covers 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. 

If you have insurance questions, call our Help Line at 800-252-3439.

Resources

For more information, contact: MediaRelations@tdi.texas.gov

Last updated: 11/21/2023