2023 – Flood Nerds Guild on How to File a Claim

Please understand that when there are flood claims the fastest and most effective way to file a claim is online rather than calling it in because you might not be able to get through due to the volume of calls.

NOTE: All Underwriters are going to want your policy number so if you don’t have it you will have to contact your agent. If you are a Better Flood Insurance client and know a Flood Nerd you can fill out this form and we will send you a copy of your declaration page electronically.

Better Flood Clients Requesting Policy and DEC

List of most Common Lloyd’s of London Flood Insurance Underwriters and other Private Market Underwriters

Aon Edge Logo

Aon Edge

Website: https://www.aonedge.com/Claims

email:aonedgeclaims@us.crawco.com

Phone: 1-844-640-2522

Cat Coverage – NCIP or

Natural Catastrophe Insurance Program

website: https://www.catcoverage.com/claims

email: service@CATcoverage.com

Phone:801-316-4228

Neptune Flood LogoNeptune Flood

Website: https://neptuneflood.com/report-a-claim/

email: support@neptuneflood.com

Phone: 727-202-4815

Superior Flood

email: agent@mysuperiorflood.com

Phone: 1-888-824-0799

TFIA – The Flood Insurance Agency or Private Market Flood

Website: https://privatemarketflood.com/claims

email: TFIA@alacritysolutions.com

Phone: 866-979-9400

TypTap

Website: https://www.typtap.com/claims

email:  fnol@typtap.com

Phone: 844-289-7968

FEMA Logo

National Flood Insurance Program – NFIP or FEMA is also a Government option

If your policy is with the Government policy the NFIP or FEMA the best way to file a claim is direct with the underwriter that represents your NFIP (at last count there were 70+ underwriters and some 5,000+ agents.) Your declaration page should have the name of the underwriters and if you don’t have that hopefully remember your insurance agent. We put a list of the largest NFIP underwriters below and NFIP has this nifty link that can help you (maybe) find your NFIP underwriters.

Assurant LogoAssurant

Website:  https://www.assurant.com/claims-and-support/overview

The Hartford LogoHartford Flood

Website:  https://www.thehartford.com/claims

Phone:  Flood Damage call 800-787-5677

NFIP LogoNFIP Direct

Website:  https://my.nfipdirect.fema.gov/claim/findpolicy

Selective Flood Logo

Selective Flood

Website:  https://www.selective.com/for-individuals/flood-insurance/flood-claim-information

email:  floodclaims@selective.com

Phone: (877) 348-0552

Wright Flood Logo

Wright Flood

Website:  http://www.wrightflood.com/claims.html

Phone Call: (800) 725-9472

Phone Text: Text in a claim with your policy number to (727) 777-7066.

Let flood nerds shopBEFORE A FLOOD
After getting flood insurance, there are several things you can do to minimize losses in your home and ensure your family’s safety.

1. Safeguard your possessions
Create a personal “flood file” containing information about all your possessions and keep it in a secure place, such as a safe deposit box or waterproof container. This file should have:

  • A copy of your insurance policies with your agent’s contact information.

  • A room-by-room inventory of your possessions, including receipts, photos, and videos.

  • Copies of all other critical documents, including finance records or receipts of major purchases.

2. Prepare your house

  • Make sure your sump pump is working.

  • Clear debris from gutters and downspouts.

  • Anchor any fuel tanks.

  • Raise your electrical components (switches, sockets, circuit breakers, and wiring) at least 12 inches above your home’s projected flood elevation.

  • Place the furnace, water heater, washer, and dryer on cement blocks at least 12 inches above the projected flood elevation.

  • Move furniture, valuables, and important documents to a safe place.

3. Develop a family emergency plan

  • Create a safety kit with drinking water, canned food, first aid, blankets, a radio, and a flashlight.

  • Post emergency telephone numbers by the phone and teach your children how to dial 911.

  • Plan and practice a flood evacuation route with your family. Know safe routes from home, work, and school that are on higher ground.

  • Ask an out-of-state relative or friend to be your emergency family contact.

  • Have a plan to protect your pets.

  • Visit Ready.gov.

Better Flood Insurance is the best shopper for you.PROTECT YOURSELF AND YOUR HOME
Here’s what you can do to stay safe during a flood:

  • If flooding occurs, go to higher ground and avoid areas subject to flooding.

  • Do not attempt to walk across flowing streams or drive through flooded roadways.

  • If water rises in your home before you evacuate, go to the top floor, attic, or roof.

  • Listen to a battery-operated radio for the latest storm information.

  • Turn off all utilities at the main power switch and close the main gas valve if advised to do so.

  • If you’ve come in contact with floodwaters, wash your hands with soap and disinfected water.

  • Stay Safe During a Flood

Flood Nerd broken hart in RainTHE ROAD TO RECOVERY
As soon as floodwater levels have dropped, it’s time to start the recovery process. Here’s what you can do to begin restoring your home.

  • If your home has suffered damage, call your insurance agent to file a claim.

  • Check for structural damage before re-entering your home to avoid being trapped in a building collapse.

  • Take photos of any floodwater in your home and save any damaged personal property.

  • Make a list of damaged or lost items and include their purchase date and value with receipts. Some damaged items may require disposal, so keep photographs of these items.

  • Keep power off until an electrician has inspected your system for safety.

  • Boil water for drinking and food preparation until authorities tell you that your water supply is safe.

  • Prevent mold by removing wet contents immediately.

  • Wear gloves and boots to clean and disinfect. Wet items should be cleaned with a pine-oil cleanser and bleach, completely dried, and monitored for several days for any fungal growth and odors.