How does a policyholder file a claim for flood loss?
A flood insurance policyholder should immediately report any flood loss to the insurance company or agent who wrote the policy – in other words, the company whose name is on the certificate of insurance. A claims adjuster will be assigned to the case, and the policyholder must file a “proof of loss” within 60 days of the date of loss. A policyholder whose policy is with a WYO company must follow the company’s claim procedures. The 60-day time limit for filing a proof of loss remains the same.
