Flood Insurance Claim Checklist Builder

The deadline you should know first

Under the NFIP, you submit a signed, sworn proof of loss, with supporting documents, within 60 days of the flood unless your insurer grants more time. FEMA's claims handbook adds that requests for additional payment also need to fall within that window or an approved extension. Enter the date of the flood and the builder prints the 60-day date at the top of your list. Private flood policies set their own rules, so the builder reminds you to check yours.

The waterline matters

The height the water reached inside and outside the house is one of the first things a flood adjuster documents. Photograph the highest waterline outside, at the lowest ground beside the building, and inside on each level, with a tape measure in the frame. Waterlines fade as walls dry and get cut out, so take these photos early.

Basements are covered differently

Many Chester County homes have basements, and that is where NFIP coverage is narrowest. FloodSmart explains that building coverage in a basement includes certain installed items connected to power, such as furnaces, sump pumps, central air units, outlets and switches. Contents coverage includes items like washers, dryers and freezers connected to power. Finished walls, flooring and most stored belongings in a basement are generally not covered. The builder adds a basement section and suggests you photograph finishes anyway, then ask your adjuster what applies.

Samples, serial numbers and receipts

Before soaked carpet goes to the curb, cut and keep a sample. Write down make, model and serial numbers of the furnace, water heater, washer, dryer and any electronics. Keep every receipt: pump rentals, dehumidifiers, cleaning supplies, a hotel room. If cleanup has started, the builder asks for photos of removed materials and the provider's written scope and drying readings.

When wind is involved too

A storm that floods the basement may also damage a roof or siding. Wind damage is generally a homeowners policy claim, not a flood claim. The builder adds a line to document it separately.

No flood policy?

The builder still gives you a documentation list and notes the questions to ask your agent. It does not promise any payment or aid.

Nothing you enter is stored. Print the list or save it as a PDF. For flood cleanup with documentation, call (484) 275-9544 or send the request form; a qualified provider may contact you, and providers typically supply photos, scope and readings for your file.