Texas Floods Prompt Insurance Claims: What to Expect after Imelda

Texas residents with National Flood Insurance Program policies are beginning to file claims for damages caused by Tropical Storm Imelda. Statewide, residents have filed nearly 10,200 flood insurance claims since Sept. 17, the day the storm made landfall. Policy holders should follow these steps: 

Immediately following flood damage: 

  • Contact your insurance agent to report your loss.
  • Depending on the severity of the event, an insurance adjuster will contact you within a few days of starting your claim.
  • Ask the adjustor if you are eligible for an advance payment to help you start recovering.

Visiting with your adjustor:

  • Ask your adjustor to provide you a Proof of Loss form. You must submit a completed and signed Proof of Loss with all supporting documentation to your insurance company within 60 days of the loss. 
  • Your adjuster will contact you to make an appointment to visit your damaged property.
  • When your adjuster visits, he/she will show you an official identification card.                                                        
  • Don’t pay a fee to any third party to file your claim.
  • Be prepared to provide as much information as possible about the flood-damaged items your policy covers, including cost, make and model and age. Photos of the items, receipts, and swatches that show a particular quality can all be helpful in supporting your claim.
  • During the site visit, the adjuster will take measurements and photos and talk to you about your policy coverage, timelines and the next steps you need to take.
  • The adjuster will complete a detailed estimate of the flood event-related damage. You will receive a copy of this estimate. The estimate serves as a guide for when you get bids from licensed professional contractors for repair work.
  • To help ensure you receive a claim payment that re­flects your flood loss and is within your policy limit, ask your insurance company about any important deadlines you need to meet.
  • After your insurance adjuster inspects your property, you will receive a package from the NFIP with your insurance adjuster’s report and a check made out to you and/or your mortgage company.
  • Carefully review the report before depositing the check.

Supplemental Proof of Loss

  • If there is damage or content loss that was not included in your original Proof of Loss, you can file a supplemental claim to have your claim payment adjusted.

Flood Claim Appeals

  • FEMA’s goal is to ensure all policyholders receive the amount they are owed for their claim(s) under the terms of their policy.
  • If you believe your policy provides more coverage than you received payment for, ask your adjustor or insurer to clarify.
  • If you receive a denial letter from your insurer for all or part of your claim, you can file a written appeal, including the denial letter and supporting documentation, within 60 days of the date written on the denial letter. Email your appeal to 
  • FEMA-NFIP-Appeals@fema.dhs.gov.
  • There is no fee to file an appeal and you do not need a third party to represent you.

For more detailed policyholder tips and steps, view the NFIP Flood Insurance Claims Handbook

Purchasing flood insurance is one of the most important steps residents can take to protect the lives they’ve built. Just one inch of water in a home can cause more than $25,000 in damage. Most policies for homeowners and renters do not cover flood damage. Call your insurance agent to get a quote.  Call 1-800-427-4661 or visit www.floodsmart.gov