Kayaking past my house last Sunday. Water is up past the door handle.
this post was submitted on 18 Aug 2026
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My thought was the opposite, I'm documenting everything so they can't use anything against me. I have nothing to hide. My shit is fucked...
But any advice is appreciated. I've certainly never been through anything like this before. If you know something I don't, please let me know.
Private insurance does not cover floods. The feds underwrite flood insurance, and it is bought separately, as I understand it.
I think some insurance will mandate you get flood insurance from the feds if you are in a zone that floods every so many years. But that would vary state to state.
Oh definitely keep documenting stuff to offer up as proof if they ask for proof of something. But in my experience with insurance is that they'll find something to shove blame towards you even in the most clear circumstances.
You've nothing to hide, but adjusters are scummy enough they'll comb your footage to weasel you out of money you're owed. Document for your own proof, but don't give them a sandbox to work in.
This. Assuming OP is even covered to begin with. Insurance companies try to get out of paying for anything they think they can get away with.
Most homeowners insurance will not cover flooding, and will say you need separate flood insurance for coverage. If you're in a flood-prone region, flood insurance is going to be ridiculously expensive, but your municipality may also receive support from the fed (NFIP) for coverage.
But even with coverage, if you try to claim a kitchen appliance in flood damages and, say, it was kept too close to the sink, the insurance company could try to use that as an excuse not to cover it. They'll say it could been damaged by a source of water unrelated to a flood, that the appliance clearly had a tag saying not to expose it to water yet the owner put it in a negligent place.
Document everything for yourself, but don't preemptively give the insurance company the excuses they need not to cover things. Let them try to say no to something first and then come back with the receipts.
"Yeah the blender clearly says not to submerge it in water"
"The whole house is submerged"
"Clearly that shouldn't have been done, so we can't cover it"
Truth does not protect. Only power does that, and the truth has none here.
Do you have actual flood insurance? If not theyre right. If you do then you'll be fine