The Texas Department of Insurance (TDI) reminds flood victims in South and Southeast Texas to document damage carefully and file insurance claims quickly.
For home damage
- If you have flood insurance, file a claim as soon as possible. Federal flood policies give you 60 days to file a claim and document your losses.
- Most home and renters policies don’t cover flood damage, but a few do. Check your policy or call your agent if you aren’t sure. Even if you don’t have flood coverage, you may need a denial from your insurance company to apply for federal disaster assistance.
- Most home policies cover damage from wind or falling tree limbs, and damage to fences.
- As soon as it’s safe, take photos or video of the damage. Don’t throw away damaged items until you talk to your insurance company or adjuster.
For auto damage
- Your personal auto policy covers flood damage if you have comprehensive coverage.
- Take photos or video of the damage and, if possible, of your car in the water.
- It’s best to talk to a mechanic before trying to dry out a car that had water inside.
If you have insurance questions, call TDI’s Help Line at 800-252-3439.