Skip to Top Main Navigation Skip to Left Navigation Skip to Content Area Skip to Footer
Texas Department of Insurance
Topics:   A B C D E F G H I J K L M N O P Q R S T U V W X Y Z All

May 7, 2024

Insurance claim tips for Texans with flooding


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.


For more information, contact:

Last updated: 5/13/2024