Flood Insurance Claims

Program Overview

Flood insurance is mandatory if you live in a high-risk area and have a mortgage from a federally regulated or insured lender.

Visit the North Carolina Flood Risk Information System (FRIS) Website to see if you live in a flood zone: Go to the FRIS Website

If you have experienced a flood, you can file your flood insurance claim by following these three steps:

  • 1) Notify your insurer to start the claims process:
    After experiencing a flood, contact your agent or insurance company to file a claim. Make sure you have the following information handy: The name of your insurance company; your policy number; and contact information where you can be reached at all times. An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, you can contact your insurance agent or company again.
  • 2) Document the damage:
    Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate. Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.
  • 3) Complete a proof of loss to support your claim:
    Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. You'll need to file your Proof of Loss with your insurance company within 60 days of the flood.

National Flood Insurance Program (NFIP)

Total Claims Paid: $195,493,901

Links and Resources

Last Updated: July 28, 2017
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