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    <title>How to File a Claim for Flood Damage - The New York Times</title>
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<p class="byline-dateline"><span class="byline" itemprop="author creator" itemscope itemtype="http://schema.org/Person"  itemid="https://www.nytimes.com/by/mary-williams-walsh">By <a href="https://www.nytimes.com/by/mary-williams-walsh" title="More Articles by MARY WILLIAMS WALSH"><span class="byline-author" data-byline-name="MARY WILLIAMS WALSH" itemprop="name" data-twitter-handle="marywalshnyt">MARY WILLIAMS WALSH</span></a></span><time class="dateline" datetime="2017-08-29T15:43:51-04:00" itemprop="dateModified" content="2017-08-29T15:43:51-04:00">AUG. 28, 2017</time>
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<p class="story-body-text story-content" data-para-count="383" data-total-count="383">The National Flood Insurance Program was created by Congress to provide flood insurance to property owners. Homeowners in areas designated as 100-year flood zones are supposed to hold policies from the federal program. The <a href="http://topics.nytimes.com/top/reference/timestopics/organizations/f/federal_emergency_management_agency/index.html?inline=nyt-org" title="More articles about Federal Emergency Management Agency (FEMA), U.S." class="meta-org">Federal Emergency Management Agency</a> is telling homeowners who are covered by the program to take these steps to file a claim if flooding has damaged their home:</p><p class="story-body-text story-content" data-para-count="84" data-total-count="467">1. Report the damage as soon as possible to the insurance agent who sold the policy.</p><p class="story-body-text story-content" data-para-count="174" data-total-count="641">2. Photograph the damage, and move damaged items outdoors, to prevent mold in the house. But do not have the contents hauled away until an insurance adjuster can assess them.</p><p class="story-body-text story-content" data-para-count="242" data-total-count="883">3. The adjuster should call in a day or two to schedule a meeting. Make sure you have official identification for the meeting, as well as your policy number and any contractors’ estimates, receipts or other information to support the claim.</p><p class="story-body-text story-content" data-para-count="353" data-total-count="1236">4. The adjuster will take measurements and photos, give you a local contact if more visits must be scheduled, issue a flood certification number and provide a suggested “proof of loss” statement. The adjuster will not approve or deny claims, or tell you whether the claim will be approved. You can request an advance or partial payment of the claim.</p><p class="story-body-text story-content" data-para-count="80" data-total-count="1316">6. After getting the proof of loss form, you have 60 days to sign and return it.</p><p class="story-body-text story-content" data-para-count="203" data-total-count="1519">7. If the flooded building is mortgaged, a check for the loss will be made out to the holder of the mortgage. If you disagree with the amount, you can seek an appraisal to document the value of the loss.</p><p class="story-body-text story-content" data-para-count="269" data-total-count="1788">8. If your claim is denied outright, you can appeal to FEMA in writing within 60 days of receiving the denial-of-claim letter. You will not be able to seek an appraisal if you decide to appeal; likewise, if you seek an appraisal, you will not be able to file an appeal.</p><p class="story-body-text story-content" data-para-count="177" data-total-count="1965">9. You can sue FEMA, even if you have filed an appeal. The lawsuit must be filed within a year of the denial in the federal court for the district where the damaged property is.</p><footer class="story-footer story-content">
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