The short answer
Document the Damage First
Before you touch anything, grab your phone and take clear photos and videos of every affected area. Capture the water level lines on walls, soaked carpets, damaged furniture, and any standing water. This visual record supports your claim and helps the adjuster understand the full scope of the loss.
Make a written list of damaged items, including approximate purchase dates and values if you can recall them. Do not throw anything away until your insurance company has had a chance to inspect it, unless it is a health hazard. If you must remove wet carpet or drywall for safety, keep a sample piece and photograph the location.
Contact Your Insurance Company
Call your insurance company as soon as possible to report the flood. Have your policy number handy and be ready to describe the damage and when it happened. Ask what forms you need to submit and what deadlines apply. The claims process can take time, so starting early matters.
Policies vary, and your insurer decides what is covered. Flood damage is often excluded from standard homeowners policies, so you may need a separate flood policy. Ask your agent directly whether your situation is covered and what documentation they require.
- Find your policy documents and read the flood coverage section.
- Take notes during every phone call, including dates and names of representatives.
- Ask about the claims timeline and what happens next.
- Keep receipts for any emergency repairs, like a plumber stopping a leak.
- Do not sign any repair contracts until you know your coverage.
- If you feel unwell from mold or damp conditions, see a doctor.
Make Temporary Repairs Safely
You can make temporary repairs to prevent further damage, such as tarping a broken roof or shutting off the water valve. Save all receipts for materials and labor, as these may be part of your claim. Never attempt electrical work or structural fixes without the right expertise.
If the floodwater was contaminated or you suspect sewage, treat it as a biohazard. Wear gloves and boots, and avoid direct skin contact. For complex drying or sanitizing, local water damage pros can handle the work, but confirm with your insurer before authorizing major cleanup.
Get a Professional Damage Assessment
A water damage inspection can give you a detailed, written account of what is affected and what repairs are needed. This report helps you present a clear case to your insurance company. Look for a local inspection service that specializes in flood aftermath, not a general handyman.
The inspector will check for hidden moisture in walls, under floors, and in crawl spaces. They can identify structural risks and mold growth that you might miss. This documentation strengthens your claim and helps you plan the restoration work, whether you do it yourself or hire pros.
Work with the Adjuster and Keep Records
Your insurance company will send an adjuster to inspect the property and estimate the loss. Be present during the visit and point out all damage, including areas you documented. Share your photos and itemized list. Ask questions about the coverage limits and deductibles.
After the adjuster's visit, you may receive a settlement offer. Review it carefully and compare it with your own estimates. If something seems missing, ask for a written explanation. Keep copies of all correspondence, and consider getting a second opinion from a local water damage pro if the offer feels low.
Talk to someone now
Call (817) 799-6732 any time, day or night, and describe what happened.
Call Now (817) 799-6732Frequently asked questions
What if I don't have flood insurance?
Without flood insurance, your standard homeowners policy likely will not cover flood damage. Check your policy documents to confirm. You may still file a claim if you have separate flood coverage, but if not, you'll need to pay for repairs yourself. Consider talking to your agent about future flood policies.
How long do I have to file a claim?
Most insurance policies have a time limit, often 30 to 60 days, to file a claim after a flood. Delaying can risk losing coverage. Call your insurer immediately to ask about their specific deadlines and any required notice periods. Acting quickly also helps prevent further damage.
Do I need a public adjuster for my claim?
A public adjuster can represent your interests, but you don't have to hire one. They charge a fee, often a percentage of the settlement, and you should weigh that cost. Your insurance company's adjuster works for the insurer. For most claims, your own documentation and a water damage inspection may be enough.