The legal team at Nielsen & Treas LLC leverages over 30 years of experience to provide clients with support in constitutional, statutory, regulatory and insurance issues. In particular, Nielsen & Treas LLC is familiar with advising clients about the National Flood Insurance Program (NFIP).

1. HOW TO FILE A FLOOD
CLAIM WITH THE
NATIONAL FLOOD
INSURANCE PROGRAM
Nielsen & Treas LLC

2. INTRODUCTION
 The legal team at Nielsen & Treas LLC leverages over 30 years of experience
to provide clients with support in constitutional, statutory, regulatory and
insurance issues. In particular, Nielsen & Treas LLC is familiar with advising
clients about the National Flood Insurance Program (NFIP).
The NFIP provides affordable flood insurance to property owners, businesses,
and renters living in communities that participate in the program. It also aims
to encourage communities to adopt plans that prevent and reduce flood
damage. According to the NFIP, in order to file a flood claim, there are
numerous steps that policyholders should take. First, the NFIP recommends
that the policyholder should report the loss immediately to his/her insurance
company or agent with the location of the insured property, the name of the
mortgage company, a contact number, an email address, and the policy
declarations page of the flood insurance.
After a claim is filed, the NFIP recommends that the owner should prepare for
the inspection. Policyholders need to follow the guidelines of their flood
policy when cleaning up.

3. NATIONAL FLOOD INSURANCE
PROGRAM
 Before the clean up, the owner should take as many photos or
videos as possible of the damaged property, both inside and
outside of the building. According to the NFIP, for items such as
water heaters, kitchen appliances, televisions, and computers,
the make, model and serial number should be recorded so that
the information can be provided to the adjuster.
According to the NFIP, the third step is to work with the
adjuster. The adjuster will explain the flood claims process,
inspect the property, explain about advance payments and
discuss policy coverage. Once the adjuster is done inspecting
the property, he or she will provide information about what the
owner needs to do next.

4. CONCLUSION
 The last step recommended by the NFIP is to prepare a
statement called the Proof of Loss, which is a necessary
document for the official claim of damage. The
policyholder needs to file a Proof of Loss with the
insurance company within 60 days of the flood loss. After
the policyholder files the statement and the insurer
agrees on the amount of damage, the policyholder will
receive the claim payment.
For more detailed information about the flood claims
process, see www.floodsmart.gov/flood/how-do-i-file-
my-flood-claim.