Homeowners Should File Claim to Flood Insurance

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Release date: 
August 10, 2011
Release Number: 
1939-019

SAN JUAN, PR -- Federal Emergency Management Agency (FEMA) officials urge homeowners and individuals in Puerto Rico who suffered flood damages caused by Tropical Storm Emily and have flood insurance, to promptly file claims through their insurance agent or company.

"Many homeowners are seeking assistance, unaware that their dwellings may have flood insurance coverage. They could contact their mortgage bank to get information about their insurance coverage and insurance company," said Alejandro De La Campa, FEMA's Caribbean Area Division Director.

FEMA advises homeowners and individuals to take the following steps when filing claims to their insurance company or agent:

  • Have the following information:
  • Name of your insurance company (your agent may write policies for more than one company)
  • Your policy number
  • A telephone number/e-mail address where you can be contacted
    • Ask for an approximate time frame to expect an adjustor, to plan accordingly.
    • If your contact information changes, keep your agent advised.
    • If you dispose of damaged items, please keep a swatch or other sample of them.
    • Separate damaged items from those undamaged. If necessary, place items outside the home.
    • Take photos of any water in the house and damaged personal property. Your adjustor will need evidence of the damage and damaged items (i.e.: cut swatches from carpeting, curtains, chairs) to prepare your repair estimate.
    • Make a list of damaged or lost items and include their age and value where possible. If possible, have receipts for those items available for the adjustor.
    • If you have damage estimates prepared by a contractor(s), provide them to the adjustor.

If you do not have flood insurance, take steps now to protect your financial well-being. Property owners, renters and business owners can purchase flood insurance through a local insurance agent or company. Also, go online to www.floodsmart.gov or call 1-800-427-2419 for general flood insurance information, such as how to prepare for floods, flood mitigation tips for your home, and information on how to obtain flood insurance.

FEMA's mission to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Updated: 
July 16, 2012 - 18:46
State/Tribal Government or Region: 
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