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October 8th, 2019

1.When it is safe to return to your home, report the loss immediately to your insurance agent or company and ask if you can get an advance payment to help you start recovering.

Advance payments will be granted to eligible policyholders. If you send photo or video documentation, you may be able to receive up to $20,000 before the insurance adjuster inspects your damage. Normally an insurance adjuster will contact you within a few days of starting your claim.

2. Before entering your home, make sure it’s safe. Take as many pictures and videos of your flood-damaged property as possible, on the outside and the inside of the building.

3. Remove your flood-damaged items. Keep samples of items like flooring and curtains for your adjuster’s inspection. Throw away flooded-damage contents that pose a health risk, such as perishable food and pillows, after photographing them.

4. Your insurance company will provide an adjuster for your claim. When the adjuster arrives, make sure he or she shows of official identification. The insurance adjuster will work with you to submit an accurate estimate of your flood loss.

To ensure you receive a claim payment that reflects your flood loss and is within your policy limit, ask your insurance company about any important deadlines you need to meet.

5. After your insurance adjuster inspects your property, you will receive a package from the National Flood Insurance Program with your insurance adjuster’s report and a check made out to you and/or your mortgage company. You should carefully review the report before depositing the check.

Find more details about flood insurance claims at:

Legal Disclaimer: The material provided here is for informational purposes only and is not intended and should not be considered as legal advice for your particular matter. You should contact your attorney to obtain advice with respect to any particular issue or problem. Applicability of the legal principles discussed in this material may differ substantially in individual situations.

While Texas REALTORS® has used reasonable efforts in collecting and preparing materials included here, due to the rapidly changing nature of the real estate marketplace and the law, and our reliance on information provided by outside sources, Texas REALTORS® makes no representation, warranty, or guarantee of the accuracy or reliability of any information provided here or elsewhere on Any legal or other information found here, on, or at other sites to which we link, should be verified before it is relied upon.

Disclaimer : The views and opinions expressed in this blog are those of the author and do not necessarily reflect the official policy or position of the Houston Association of REALTORS®

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Was Your Property Affected By The Recent Floods? Here are 5 steps Texas Realtors Association shared to help you get your property repaired. Step 1. When it is safe to return to your home, report the loss immediately to your insurance agent or comp
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