Start Here: What to Expect
A plain-English overview of the NFIP flood claim process, the adjuster’s role, and the usual next steps.
View / Print / Save as PDF →How insureds should use this site
Pick the guide that matches the situation, review it online, then use the print button to print or save a PDF copy.
1
Choose a topic
Select the guidance that matches the loss issue.
2
Gather documentation
Use the checklist items to organize photos, estimates, invoices, and notes.
3
Keep copies
Save documents, receipts, photos, and communications in one folder.
4
Submit clearly
Provide organized, itemized, flood-related documentation when requested.
Guidance Library
Search or filter the public guidance documents below. Each guide can be viewed online, printed, or saved as a PDF from the browser.
Photo Documentation Checklist
Photos that help tell the water-path story, including exterior, interior, demo, contents, and mitigation photos.
View / Print / Save as PDF →Contractor Estimate & Invoice Guidance
What contractor documents should include so the Carrier can evaluate flood-related scope and pricing.
View / Print / Save as PDF →Contents Claim Tips
How to document personal property damaged by floodwaters.
View / Print / Save as PDF →Basement Coverage Overview
General explanation of basement restrictions and why some finished items may not be payable under the SFIP.
View / Print / Save as PDF →General Condition of Flood Documentation
What helps verify that flooding affected two or more properties or two or more acres, one of which is yours.
View / Print / Save as PDF →Dryout & Mitigation Documentation
How to document emergency mitigation, drying, demo, cleaning, and related services.
View / Print / Save as PDF →Mortgagee & Check Release Guidance
Why claim checks may include a mortgagee and what insureds should expect after payment is issued.
View / Print / Save as PDF →ICC Overview
General overview of Increased Cost of Compliance and the local floodplain administrator’s role.
View / Print / Save as PDF →