How to File a Flood Insurance Claim with FloodPrice
- FloodPrice
- Oct 22, 2020
- 2 min read
Updated: May 14
If your home has been affected by flooding, navigating the claims process can be overwhelming. At FloodPrice.com, we aim to simplify this experience, whether your policy is through the National Flood Insurance Program (NFIP) or a private flood insurer. Simply complete this online insurance claim form, and our team at FloodPrice will guide you on the next steps.
This overview outlines the steps you should take if your home is damaged by a flood and highlights the key differences between the NFIP and private flood insurance claims process.
Steps to Take After a Flood

Ensure Safety: Only return to your property when local authorities have
declared it safe.
Report the Loss Promptly: Fill out our online flood claim form. Be as detailed as possible with your flood event information
Document the Damage:
Take clear photos and videos of all affected areas and items.
List damaged belongings, noting their approximate value and purchase date.
Keep receipts for any immediate repairs or replacements.
Prevent Further Damage: If safe, take steps to mitigate additional damage, such as removing wet carpets or boarding up broken windows.
Don’t Discard Damaged Property: It’s important not to throw away any damaged items until they have been inspected and documented by a claims adjuster
Meet with the Adjuster: An insurance adjuster will assess the damage. Be prepared to provide your documentation and discuss the extent of the loss.
NFIP Claims:
Administration: Managed by FEMA.
Adjusters: Certified by the NFIP.
Coverage Limits: Up to $250,000 for building and $100,000 for contents.
Additional Living Expenses (ALE): Not covered.
Processing Time: May be longer, especially after widespread disasters.
Private Insurance Claims:
Administration: Managed by private insurance carriers.
Adjusters: Often have dedicated teams for quicker assessments.
Coverage Limits: Can be higher than NFIP limits.
Additional Living Expenses (ALE): Optional coverage only available from private insurers.
Processing Time: Typically, faster than NFIP claims, with some settled within 10–14 days.
What to Expect After Filing a Flood Insurance Claim?

After you submit your claim, an adjuster will be assigned to assess the damage to your property. Here is the role of the adjuster:
Review your documentation
Schedule a visit to inspect damage (when safe and accessible)
Verify your coverage and calculate your payout
The timing of this process can vary based on the insurance provider and the severity of the damage in the area. While it may be completed in a few days, it might take longer following large-scale events.
Final Thoughts
Recovering from flood damage can be overwhelming, but understanding the claims process and the differences between the NFIP and private insurance can help you navigate it with confidence. By taking the right steps early, documenting everything, and knowing what to expect, you’ll be better positioned for a smoother recovery.
If you have questions or need help with your claim, our team is here to support you every step of the way. Don’t hesitate to reach out to us at support@floodprice.com.We’re ready to help you protect what matters most.