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Get help with your NFIP claim
Have a flood policy purchased through Allstate? Get help and support throughout the flood claim process, from filing, to receiving your claim settlement.
File a flood insurance claim
Use the flood loss claim report if:
- You have a policy through the National Flood Insurance Program (NFIP).
- You’ve experienced damage to your home due to a flood in your area.
We’re here to help you every step of the way.
Some items not covered through your flood policy may include:
- Wind damage
- Broken or frozen pipes
- Appliance leak
- Roof damage
These items may be covered by your homeowners policy, and you will need to file a separate claim for these types of water damages. Water damage to a vehicle should be filed as a separate auto claim. You can report a homeowner or auto claim on My Account.
Find a mobile claim center
If you’ve experienced a major flooding event, visit a mobile claim center to file a claim.find a mobile claim center
Simple steps to file a flood insurance claim
When you file a flood insurance claim, these are the steps you’ll typically follow:
File your claim
When you file, you’ll get a number to track your claim’s progress. You can contact your flood claim adjuster with any questions about the status of your claim.
Initial adjuster contact
We’ll contact you to gather claim details and validate your policy. Your adjuster will reach out to schedule a damage inspection, answer questions, review steps to minimize the damage where possible, and go over what to expect next.
During the inspection, your adjuster will assess damage by taking measurements, photos, and notes on the damage from the flood. Extensive damage may require additional visits.
Estimate review and approval
Based on the assessment, your adjuster will provide a detailed estimate of the flood damage and the NFIP will double check the estimate to make sure it matches the details of your policy.
Proof of loss and claim settlement
You’ll receive a proof of loss document with a detailed estimate of repair costs that you’ll need to sign and return as soon as possible. Once your signed proof of loss is received, the U.S. Treasury will request your settlement check and send it via U.S. mail.
Request for additional payment
After the initial settlement, if you find additional flood damage, you may submit a request for additional payment by emailing photos and a detailed estimate of damage to email@example.com. Please include your claim number in the subject line.
Flood Insurance Claims FAQs
A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more adjacent properties (one of which must be your property).
Most homeowners insurance policies do not cover damage from floods, but some may help cover the cost to repair wind damage (for example, repairing a damaged roof). If you have a NFIP flood insurance policy, that may help cover damage to your home or belongings from flooding.
In situations like this, file one claim on your homeowners insurance policy and one on your NFIP flood insurance policy. Each claim will have a separate adjuster.
No, flood insurance does not help pay for additional living expenses, such as temporary housing.
Flood insurance may help pay to remove debris inside or on the insured home.
Flood coverage may help pay to replace spoiled food if flood waters damaged your refrigerator, freezer or caused a related power failure.