- have a 30-day waiting period before you have coverage
- DO NOT cover your additional living expenses if you are unable to live in your home due to a covered flood loss
- require a written "proof of loss" document that confirms your claim will be filed within 60 days after a loss
You may be eligible for additional assistance from FEMA for disaster-caused expenses, including temporary housing assistance. For additional information, contact FEMA at 800-621-3362 or visit www.disasterassistance.gov.
- Be sure to keep a record of all communications you have with your agent or company.
- Be prepared to answer questions about the extent and severity of the damage.
- Don't make permanent repairs until instructed by your insurance company.
- Take photos or video of the damage.
- Save all repair receipts.
- Make sure your insurer knows how to contact you.
- Inspect your property and cars for damage.
- Inventory your damage.
- Photograph or video the damage.
- Don’t throw away damaged property until your insurance adjuster has seen it.
- Get your insurance company’s approval before you make any permanent repairs.
- Try to be present when the insurance adjuster inspects the damage.
- Be sure your address is visible. If your address is not visible, post a sign with your address and the name of your insurance company.
Storm Recovery Assistance
FEMA: 800-621-3362 or www.DisasterAssistance.gov
Insurance Company Mobile Unit Locations throughout Texas: www.tdi.texas.gov/consumer/storms/mobileunits.html
NFIP: 800-427-4661 or www.FloodSmart.gov
To file flood claims with the NFIP: 800-638-6620
TDI Consumer Helpline: 800-252-3439 or www.tdi.texas.gov/consumer/disasters.html
OPIC: 512-322-4143 or www.opic.texas.gov
Texas Division of Emergency Management: 512-424-2208 or www.dps.texas.gov/dem
Please note that this list is not comprehensive and each respective resource is maintained by the listed state or federal agency.