TDI offers claims tips for flood victims

HOUSTON, TX - The Texas Department of Insurance (TDI) reminds flood victims in Southeast Texas to carefully document damage and file insurance claims quickly.

For home damage
- If you have flood insurance, call your agent or company as soon as possible. Federal flood policies require you to file a claim and document all your losses within 60 days.

- Most home and renters policies don’t cover flood damage, but a few do. Check your policy or call your agent if you aren’t sure about your coverage. Even if you don’t have flood coverage, you may need a denial from your insurance company if you apply for federal disaster assistance.
- Most home policies cover damage from wind or falling tree limbs. They’ll also cover damage to fences.
- As soon as it’s safe, take photos or video of the damage. Don’t throw away damaged items until you talk to your adjuster.

For auto damage
- Your personal auto policy covers flood damage if you have comprehensive coverage. If your car was flooded or damaged, call your insurance company or agent as soon as possible.
- Take photos or video of the damage and, if possible, of your car in the water.
- It’s best to talk to a mechanic before trying to dry out a car that got water inside.

If you have insurance questions or need help contacting your company call TDI’s Help Line at 1-800-252-3439.