Need Help After the Storm? You're Not Alone. Huge tip:
do not call carrier!
even if you have flood insurance. make sure you understand flood before you call.
if this is major rainfall the call centers will be flooded & you will get a claim number but that’s where the Nightmare begins.
you will not have coverage or limited & now you will have a rate hike just because you called. that Claim # has negative effect
Flood damage is overwhelming—and understanding what’s actually covered can be just as stressful. We're here to help you navigate it all.
What You Need to Know About Flood Insurance
Recent Storm Help
Most standard home insurance policies do not cover flood damage. To protect your home, you must purchase separate flood insurance—either from your carrier (if they offer it) or a private insurer. If you didn’t purchase flood coverage prior to the storm, your only remaining option is to apply for assistance through FEMA.
Key Points to Remember:
All flood insurance—whether through your carrier or privately—is based on FEMA’s National Flood Insurance Program (NFIP).
NFIP policies cover essential items for habitability only, such as:
Electrical and plumbing systems
HVAC systems
Water heaters, pumps, and built-in appliances
Washers, dryers, refrigerators, and ranges
Finished basements are not fully covered. Only unfinished drywall and essential systems qualify.
Above-grade areas (like kitchens) will only be covered for the items directly damaged—no full replacements unless all were affected.
Before You File or Panic—Know Your Options
Have Flood Insurance?
Your claim will follow NFIP guidelines (even if purchased privately). Review your policy and start documenting the damage.
Don’t Have Coverage?
Your best option is to apply for FEMA assistance. Here’s what to expect: