Flooded home or car? What to do next.

If your home or car has flood damage, insurance could help you recover.

Some tips for property owners:

• Take photos or video of the damage as soon as it’s safe. Don’t throw away damaged items until you talk to your insurance adjuster.
• If your home floods, call your insurance company to file a claim as soon as possible. If you have a policy through the National Flood Insurance Program (NFIP), call 877-336-2627. NFIP policies require you to file a claim within 60 days. If you can’t find your insurer’s phone number, call the TDI Help Line at 800-252-3439.
• Most home and renters policies don’t cover flood damage, but there are exceptions. Even if you lack flood coverage, you still might need a denial from your insurance company to apply for disaster assistance if available.

You can also make an insurance claim if you have other damage. Most home policies cover damage from wind or falling tree limbs. They also might cover damage to fences and other structures on your property.

If your car floods:

• File an auto insurance claim if you have comprehensive coverage; it covers flood damage.
• Take photos or video of the damage. If it’s safe to do so, also take pictures of your car in the water.
• Talk to a mechanic before trying to dry out a car that got water inside. It may have hidden damage.

Have insurance questions? Call the TDI Help Line at 800-252-3439.

Learn more

• National Flood Insurance Program: How to file a claim
• Flooded cars: What to know about insurance claims and repairs
• When are water damage and mold covered by insurance?
• Can I make an insurance claim for additional living expenses?
• Steps to getting your home or car insurance claim paid
• How to avoid contracting scams