Filing a Flood-Insurance Claim

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To file a claim under the National Flood Insurance Program, call the insurance agent who sold you your basic homeowners' policy. He or she will likely be the one who sold you the separate flood insurance policy.

If you're among the one-in-ten who bought coverage from another source, you can file a claim by calling the NFIP toll-free at 1-800-638-6620. 

If you have damage from rising water, as opposed to wind-driven rain, and you're not covered by a federal flood insurance policy, help still may be available - if the president issues a disaster declaration for your area. To see if you can apply for assistance from the Federal Emergency Management Agency, call toll-free at 1-800-462-9029.