DENVER – FEMA has an important message concerning who may file a federal flood insurance claim.
National Flood Insurance Program (NFIP) policy holders in any Colorado county are eligible to file a flood claim. Policy holders do not have to live in a disaster-designated county.
Any Colorado resident covered by NFIP with flood damage should file a claim within 60 days of the date of loss. As an example, if the flood damage was on Sept. 10, the claim must be filed by Nov. 9.
To date, NFIP has paid out $22 million to Colorado policy holders this year.
Floods are the most common and costly natural disasters in the United States.
NFIP policies are sold and serviced through many private insurance companies. The policies cover physical damage to a building or personal property that is directly caused by a flood. For example, damage resulting from a sewer backup is covered if the problem is a direct result of flooding. However, if the backup is caused by something else, the damage is not covered.
Please also refer to floodsmart.gov for more information about flood insurance.