For Homeowners
Flood Claim Playbook
Flood claims play by different rules — different policy, different deadlines, different adjuster. If you've only ever dealt with homeowners claims, flood will surprise you. This guide translates the process into plain English.
The Problem: Your Homeowners Policy Doesn't Cover This At All
The first surprise of a flood loss: your homeowners policy excludes it completely. Flood needs its own policy — usually from the NFIP or a private flood insurer — and that policy works nothing like the one you're used to.
Proof-of-loss deadlines measured in days. Limited basement coverage. No additional living expenses under the NFIP. A separate adjuster force. Homeowners who treat a flood claim like a regular claim miss deadlines and leave money behind.
The Flood Claim Playbook is the translation guide — NFIP vs. private flood, every deadline that matters, and what's actually covered.
What's Inside
22 pages of plain-English guidance. Here's what's inside:
- NFIP vs. private flood insurance — how the two differ and which rules apply to you.
- Proof of loss — the 60-day deadline and how to meet it.
- ICC coverage — Increased Cost of Compliance: up to $30,000 toward elevation and mitigation.
- What's limited or excluded — basements, mold, landscaping, decks: the fine print.
- Building vs. contents — the two coverage buckets and what goes in each.
- The flood adjuster — who they are, how the visit works, and how it differs from a homeowners adjuster.
- Documenting a flood loss — water lines, damaged materials, and the photos that matter.
- Advance payments — getting money before the final settlement.
- Appealing a flood decision — your options when the number comes back wrong.
- After the claim — mitigation steps that can lower your future premiums.
Is This For You?
This is for you if…
- You've had flood damage and carry NFIP or private flood insurance
- You're confused by proof-of-loss forms and deadlines
- Your flood settlement seems low and you want to understand why
- You want to know what ICC coverage can pay for
This is NOT for you if…
- Your water came from a burst pipe or roof leak, not rising water (see the Water Damage Claim Playbook)
- You're looking for legal advice about your specific situation
- You expect a guaranteed payout — flood coverage has strict limits by design
Quick Answers
Does homeowners insurance cover flood damage?
No — flood is excluded from standard homeowners policies. You need a separate NFIP or private flood policy. This guide assumes you have one and walks through the claim.
What is the proof-of-loss deadline?
Under the NFIP, generally 60 days from the date of loss. Missing it can kill your claim — the guide puts this deadline front and center.
How do I receive it?
Instantly. After checkout you'll land on a download page with your PDF. PDF format — reads on any phone, tablet, or computer, and prints cleanly.
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Flood Claim Playbook
22 pages · PDF · Instant download
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