![]() ![]() You can use the cost of flooding calculator at to estimate your costs. A flood certified insurance adjuster making a room-by-room item-by-item, detailed estimate of covered flood damage is the only estimating method approved by and acceptable to the National Flood Insurance Program. Estimates are for illustrative purposes only and should not be used to estimate any actual flood loss. home of 1,000 square feet, built on a slab and with typical household items. These estimated costs are based on an average U.S. As illustrated below, one inch of water could cost a homeowner $10,000 or more to repair the damage. Take pictures or videos of the damaged items and do not get rid of the items until the insurance company instructs you to remove the items.Īll it takes is a few inches of water to cause major damage to your home and the contents within. ![]() ![]() Take steps to protect your property and prevent further loss.Do not simply state that your damage is due to a flood as there may be additional causes for water damage, such as a sewer backup or failing sump pump that may be covered under your policy. When contacting your insurance company, be sure to communicate that you have experienced water damage and are looking to determine what coverage you have available.Have your policy number and other relevant information readily available. Contact your insurance company’s claims hotline and/or your agent to report your claim.Additional information is also available in the National Flood Insurance Program Summary of Coverage. To learn more about the National Flood Insurance Program, visit to locate an agent, file a claim, and find other flood related resources. It is important to discuss these options with your insurance agent or your insurance company. You may also wish to purchase endorsements which will offer limited coverages for water or sewer back-up. You may be able to purchase flood insurance through the National Flood Insurance Program or a private insurer. You may not know that flood damage is not covered under a standard homeowners policy. You do not have to be in a flood zone to experience a flood. According to the Federal Emergency Management Agency (FEMA), floods are the most common, and most costly, natural disaster. ![]()
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