Most homeowners, condominium, and renters insurance policies do not cover flood damage. Flood damage is covered by a flood policy issued by an insurance company or by the National Flood Insurance Program (NFIP). Flood damage to your auto is typically covered by the comprehensive coverage portion of an auto insurance policy.

What to Do

💧 Document any damage with photos or video.
💧 Contact your insurance company, agent, or the National Flood Insurance Program (NFIP) immediately.
💧 Provide accurate contact information to your insurance company or agent.
💧 Remove any standing water inside your home (wear protective gear).
💧 Don’t throw anything away until your insurance adjuster says to.
💧 Contact police if your car is missing.
💧 Make only temporary repairs to prevent further damage.
💧 Save any expense receipts for temporary repairs.

What to Do

✅ Inspect the interior and exterior of your home and begin a list of damages.
✅ Be cautious around any items that have gotten wet and that are electrically-powered.
✅ Document any damage to your home and contents with photos or video.
✅ Contact your insurance company immediately and begin a claim.
✅ Ask your insurer about important deadlines in the claims process and make note of them.
✅ Ask your insurer about temporary living expenses if your home is not livable.
✅ Provide accurate information so others can easily contact you.
✅ Take notes during each call with your insurer, agent, or insurance adjuster.
✅ Do not throw anything away until your insurance adjuster says it is alright.
✅ Make only temporary repairs necessary to prevent further damage.
✅ Save any receipts from temporary repairs.

• • 请尽快提出索赔。
  • You may have to report a claim to more than one insurer, such as your homeowners or auto insurer, TWIA, or NFIP.
  • 请务必向保险公司提供准确的联系方式。
  • 询问所有重要的截止日期，并做好记录。
  • If you are a Texas Windstorm Insurance Association (TWIA) policy holder, call their claims center at 800-788-8247 or visit their claims webpage.
  • If you have a National Flood Insurance Program (NFIP) flood policy and need help finding your agent, call 877-336-2627 or visit the NFIP claims webpage.

2. 记录 损失情况。 

• • 列出您房屋或汽车内部和外部的受损情况。
  • 在与理赔员面谈时，准备一份损失清单会很有帮助，这样就不会遗漏任何内容。
  • 拍摄受损部位的照片或视频，以记录受损状况及受损程度。
  • 拍摄相邻未受损区域的照片或视频，以提供背景信息。

• • 仅进行紧急维修。
  • 在进行任何永久性维修或雇人进行维修之前，请先等待您的保险理赔员对损失进行勘查。

4. 做好 记录并保留收据。

• • 与保险公司、理赔员和维修人员通话时，请做好记录。
  • 请保存照片、视频、文件以及临时维修或额外生活费用的收据，以便日后提交。

• • It may take a while for the insurance company to inspect your damage.
  • 请向您的保险公司询问，哪些截止日期需要您采取行动，以及接下来他们会采取什么措施。
  • 当保险理赔员来访时，请确保您能配合、做好准备并积极配合。
  • 请与您的理赔员明确后续处理步骤。
  • Begin the process of finding qualified contractors or auto repairs shops.
  • Be sure contractors or auto repair shops are insured and/or bonded.
  • Address any differences between your insurance company’s estimate and a contractor or auto repair shop’s estimate.
  • 在签署所有维修合同之前，请仔细审阅。
  • 请确保维修工作已全部完成，并拍摄维修过程的照片和视频以供存档。
  • 做好笔记，保留收据，并详细记录与理赔相关的信息，包括维修估价单以及所有往来沟通内容。

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