Tips For Filing Sandy Insurance Claims

WASHINGTON, D.C. – FEMA’s National Flood Insurance Program (NFIP) offers the following tips for filing claims after Hurricane Sandy:


  • Call your agent or insurance company. Have the following information with you when you place your call: (1) the name of your insurance company (your agent may write policies for more than one company); (2) your policy number; (3) a telephone number/e-mail address where you can be reached; and (4) an address where mail can reach you. Hurricane Sandy has caused massive damage over many States. Your flood insurance company and the adjusters want to contact you and see your damage as soon as possible.

Once You Have Reported Your Loss

  • An adjuster will work with you to calculate the value of the damage and prepare a repair estimate.
  • Keep your agent advised if your contact information changes. If you cannot be easily reached, provide the name of a designated relative or point-of-contact person who can contact you.

Before The Adjuster Arrives

  • Debris Removal. If you are required to remove debris for health or safety reasons and your adjuster has not inspected your loss, you may remove items that are damaged by flood, but you will still need to provide the adjuster with specific documentation of those items. If you dispose of items, keep a swatch or other sample of damaged items for the adjuster.
  • Separate damaged items from undamaged items. If necessary, place damaged items outside the home.
  • Take individual photographs. Take photos of any water in the house and any damaged personal property. Your adjuster will need evidence of the damage and damaged items (e.g., cut swatches from carpeting, curtains, chairs) to prepare your repair estimate.
  • Make a list of damaged or lost items and include their age and value. If available, provide the adjuster with receipts for all items.
  • If you have damage estimates prepared by a contractor, provide them to your adjuster since they will be considered in the preparation of your repair estimate.
  • Contact your insurance company if an adjuster has not been assigned to you within several days.

These guidelines do not waive or alter the terms and conditions of your Standard Flood Insurance Policy.

For questions about flood insurance or the NFIP, call the Toll Free Helpline: 1-800-427-4661

If you have not yet been able to access your property, you may be able to view it in aerial photographs at

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