NFIP Claims Handbook
Official NFIP Claims Handbook link and a plain-English explanation of how insureds can use it during a flood claim.
Official NFIP Claims Handbook
The Claims Handbook is the official policyholder guide for preparing for and recovering from a flood event. It covers what to do before a flood, what to do after a flood, how to document damage, how the claim process works, additional payment requests, and where to find forms and support.
What This Handbook Helps With
- Understanding the flood definition and basic claim process.
- Knowing what to photograph and document after a flood.
- Organizing building, contents, receipts, and repair documentation.
- Understanding the role of your adjuster, insurer, and claim review.
- Requesting additional payment if additional covered flood damage is later identified and documented.
FloodPath Tip
Use the Claims Handbook as the official reference. Use FloodPath to quickly find the practical section that applies to your loss: photos, contents, contractors, mitigation, GCF, mortgagee, basement/PFE restrictions, ICC, or commercial documents.
To download this page as a PDF, click the button and choose “Save as PDF” in your browser’s print options.
Coverage Disclaimer
FloodPath provides general claim communication and documentation guidance only. Field adjusters cannot approve/deny coverage or authorize payment. Final claim decisions are made only by the Carrier. The official policy form controls over any summary or guidance page.