Flood Insurance Claims Help
What to do after a flood, how the claims process works, and where to report your claim.
First Steps After Flooding
Filing a flood insurance claim can feel overwhelming, especially when you’re dealing with property damage and time-sensitive decisions. Taking the right steps early can help protect your claim and reduce unnecessary delays.
Before contacting your insurer, make sure it is safe to return to the property. Document the damage thoroughly and avoid making permanent repairs until your claim has been reviewed or approved.
- Make sure the property is safe before entering
- Take photos and videos of all visible damage
- Separate damaged items by room if possible
- Keep receipts for temporary or emergency repairs
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How the Flood Insurance Claims Process Works
What to Expect
Report the Claim
Start your claim in your insurer’s portal and note your claim number right away.
Meet the Adjuster
Schedule the inspection, walk through the damage, and ask what documents they need.
Send Your Proof
Submit photos, receipts, and item lists so coverage can be reviewed without delays.
Get the Decision
Review the settlement details, ask questions, and confirm next steps for payment or repairs.
Need Help Filing a Claim?
Learn what happens after a claim is filed and how to avoid common delays.
Understand Next Steps
Learn what happens after you file a claim, how inspections work, and what documentation is typically required.
Talk With Us
Not sure which insurer your policy is with or what to do next? We can help you confirm your provider and understand the next best step.
File Online Claim
Most flood insurers let you start a claim online. Use the correct claims portal based on your policy to avoid delays.
Email Us
Prefer email? Send a quick note with your name, property address, and policy details if available. We’ll point you to the right claims portal.
Report your flood insurance claim
Save Flood Insurance Agency works with multiple private and government-backed flood insurance providers. Use the link below that matches your policy to begin the claims process.
- NCIP / CAT Coverage
File a claim through CAT Coverage.
- Lloyd’s of London
Learn about the Lloyd’s claims process and begin your claims journey.
- Wright National Flood Insurance
Report a flood insurance claim with Wright Flood.
- AonEdge Flood Insurance
Access AonEdge’s claims reporting resources.
- Neptune Flood Insurance
Report a claim directly with Neptune Flood.
- NFIP Direct (FEMA)
File a claim under the National Flood Insurance Program.
Claims Portals by Provider
Disclaimer: Claims are handled directly by your insurer. Save Flood Insurance Agency does not process claims but can help answer questions and guide you to the correct provider.