01
Contact the right insurance provider
Report the loss promptly and ask about the process for your policy. If you have flood insurance, FloodSmart explains how to contact the provider and start that claim. Ask which documents, inspections and deadlines apply to your situation.
02
Clarify authorization and communication
Ask your insurer or adjuster what they need before work is contracted, and tell them about urgent conditions. Ask the contractor who will supply the estimate, photos and invoices. Keep your own copies and confirm who is authorized to share information.
03
Separate the estimate from a coverage decision
A contractor describes proposed services and charges. The insurance provider addresses the policy and claim. Ask about your payment responsibility before signing. A directory listing, contractor statement or submitted estimate does not establish coverage or guarantee reimbursement.
Primary sources reviewed November 2, 2026. This guide supports your conversations with qualified professionals; it does not assess your property or determine insurance coverage.