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Texas Department of Insurance
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September 20, 2019

TDI offers claims tips for flood victims


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.


Help after the storm

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Last updated: 1/12/2022