HOW DO I ASSESS DAMAGE TO MY PROPERTY FROM THE HIGH WATER? WHAT RECORDS SHOULD I KEEP TO MAKE MY INSURANCE CLAIM COMPLETE?

The Department of Insurance & Finance Services, MI, recommends the following steps:

  • Contact your insurance company’s claims hotline and/or your agent to report your claim. Have your policy number and other relevant information readily available.

  • When contacting your insurance company, be sure to communicate that you have experienced water damage and are looking to determine what coverage you have available. Do not simply state that your damage is due to a flood as there may be additional causes for water damage, such as a sewer backup or failing sump pump that may be covered under your policy.

  • Document your loss. Take pictures or videos of the damaged items and do not get rid of the items until the insurance company instructs you to remove the items.

  • Take steps to protect your property and prevent further loss.


  • The National Flood Insurance Program was created by Congress in 1968 to help individuals protect themselves financially from floods. To learn more about the National Flood Insurance Program, visit www.floodsmart.gov. The website provides information on locating an agent, filing a claim, and other flood-related resources.

Show All Answers

1. WHO IS RESPONSIBLE FOR PROTECTING MY PROPERTY FROM HIGH WATER DAMAGE?
2. DO I HAVE TO SANDBAG MY PROPERTY?
3. WILL THE CITY BUILD AN ADEQUATE SANDBAG BARRIER ON MY PROPERTY FOR ME?
4. IS THERE A TIMELINE OR DEADLINE TO PROTECT MY PROPERTY?
5. IS THE CITY RESPONSIBLE WHEN WATER FROM MY NEIGHBOR'S PROPERTY CAUSES DAMAGE TO MY PROPERTY?
6. HOW DO I BUILD A SANDBAG LEVEE? HOW MANY SANDBAGS DO I NEED?
7. WHERE CAN I PICK UP SAND AND SANDBAGS?
8. HOW DO I GET ASSISTANCE OR DIRECTIONS ABOUT HOW TO PROTECT MY PROPERTY?
9. OUR HOMEOWNER'S ASSOCIATION WANTS TO BUILD SANDBAG BARRIERS ON OUR PROPERTIES. HOW CAN THE CITY HELP?
10. HOW DO I ASSESS DAMAGE TO MY PROPERTY FROM THE HIGH WATER? WHAT RECORDS SHOULD I KEEP TO MAKE MY INSURANCE CLAIM COMPLETE?