Call Your Insurance Agent You need to tell your agent about the damage to your home and contents so that your agent can file a claim. The sooner you can talk to your agent, the sooner your claim will be filed and an adjuster will be assigned to review your damage. How much of your loss is covered will depend on your policy. But even if you don't have full coverage, your agent may be able to give you advice about where to get help with cleanup and repairs. Some homeowner's policies may cover basement flooding caused by sewer backup or sump pump failure.
Flood insurance covers most losses caused by surface floodwater.
Wind and hail insurance covers losses in coastal areas from the winds of a hurricane. In coastal areas, homeowner's insurance often does not cover damage from wind. Read your insurance policies so that you will know what is covered and what is not. If your insurance covers the damages, your agent will tell you when you can expect an adjuster to contact you. The adjuster will determine the costs to repair the damage to your home and your belongings.