Flood, in general, is not a covered peril under a homeowner/tenant/business policy. Flood is an “exclusion.” However, depending on where the water comes from, what caused the issue, and the selection of coverages made when purchasing a policy, there can be some limited water damage coverage. There are certain endorsements, too, that offer some coverage depending on the circumstances. Each insurance company has their own claims system, as well. If it has been determined that there is coverage, some companies ask for pictures. Others send an adjuster. Most have their own inventory forms to complete.

So—Rule 1 is call your company. Rule 2 is to document the situation with pictures; mitigate/prevent any further damage; keep a journal and a record of receipts when doing so. When you do connect, you’ll be ahead of the game and you would have done everything that a company could ask for. If there is the potential for coverage, they’ll direct the customer on the process.