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Texas Department of Insurance
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September 20, 2019

TDI offers claims tips for flood victims

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

For home damage

  • If you have flood insurance, call your agent or company as soon as possible. Federal flood policies require you to file a claim and document all your losses within 60 days.
  • Most home and renters policies don’t cover flood damage, but a few do. Check your policy or call your agent if you aren’t sure about your coverage. Even if you don’t have flood coverage, you may need a denial from your insurance company if you apply for federal disaster assistance.
  • Most home policies cover damage from wind or falling tree limbs. They’ll also cover damage to fences.
  • As soon as it’s safe, take photos or video of the damage. Don’t throw away damaged items until you talk to your adjuster.

For auto damage

  • Your personal auto policy covers flood damage if you have comprehensive coverage. If your car was flooded or damaged, call your insurance company or agent as soon as possible.
  • Take photos or video of the damage and, if possible, of your car in the water.
  • It’s best to talk to a mechanic before trying to dry out a car that got water inside. 

If you have insurance questions or need help contacting your company call TDI’s Help Line at 800-252-3439.

Resources

Help after the storm

My car was flooded

My car was totaled! Now what?

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

Last updated: 1/12/2022