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How to file a flood insurance claim
Check your policy.
Not all insurance policies include flood damage, and it is often a secondary policy that you'll have to have before the flood occurs. Before you notify your insurance agency, it's a good idea to check over your policy to ensure that you are covered for flood damage.

Choices: [I] Flood damage can occur in multiple locations in your home. For example, if you have had a flood in a large building in your home, storm-related damage may be excluded from the coverage under your policy.; [II] This will give you a good idea of how much coverage you might have to cover during the flood. For example, if you only have a flood insurance policy for $70 per month, you might get an additional policy at the end of the year.; [III] In addition to checking for a flood policy, you should also check your declarations page. Make sure all of your information is up to date.; [IV] In many cities or towns, flood damage can occur if water comes into contact with nearby structures. Flood damage is usually caused by landslides or a recently installed dam.;
[III]