Claims

Report your flood claim below and a licensed specialist will follow up. If your home is still unsafe, call 855-CAL-FLOOD (225-3566) instead — do not wait on a form.

Three things to do before you fill this out

1. Make sure it is safe. Do not enter a flooded building until authorities permit it.
2. Photograph everything before you clean. Wide shots of every room, the high-water line, and damaged items with their model and serial numbers. This documentation is the foundation of the claim.
3. Do not throw anything away yet. If sanitation crews haul damaged belongings off first, the adjuster has nothing to document.

What happens next

Your carrier assigns an adjuster who will inspect the building and your contents separately. Before that visit, read preparing for your flood adjuster’s visit — particularly the five things to settle before the adjuster leaves.

• The full flood claim guide — before, during, and after
• After a flood — documentation, restoration contractors, contents inventory
• Five coverage gaps that surprise people
• Printable one-page claim checklist (PDF)

California Flood Insurance does not have the authority to adjust insurance claims. This information is provided as a courtesy, is general information only, and is not legally binding. Coverage is governed by the terms of your policy.