PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How do you maximize an insurance claim from flooding?
When making a flood claim, I want to make sure I get the maximum payout from my insurance company to cover the damages. What factors should I consider when making a claim?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Having the correct amount of coverage is the best way to maximize your payout for
flood insurance
. You want to be sure your coverage limits reflect your home and property values. Aside from this, you’ll also want to provide the adjuster with as much information as possible, such as:
- Repair costs
- Replacement costs
- How much you purchased an item for
- Any costs related to the upkeep or construction
Whether you have a private flood policy or one through the NFIP (National Flood Insurance Program) is another factor. The personal property payout for a private flood policy will be much higher since it will be for replacement cost. The NFIP policy only covers personal property up to the actual cash value.
As insurance rates can increase after submitting a claim, be sure to shop around. Home insurance rates vary from company to company. If you’d like help shopping for home and auto insurance, use the
Jerry
app. Jerry collects the top home and auto quotes from up to 50 providers and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies