My home was damaged when flood water entered my home. Will my homeowners or renters policy cover the loss?
Most standard Homeowners and Renters policies DO NOT typically cover water damage due to flood for the structure or its contents. If you bought flood insurance, contact the agent who sold you the policy or the National Flood Insurance Program at http://www.floodsmart.gov/.
How do I file a National Flood Insurance Program flood claim?
What if I experience a flood-related loss to livestock or farm equipment?
Some farm property policies may include coverage for these types of losses. It is important to contact your insurance agent or insurance company to learn if your policies have such coverage.
How long do I have to report my loss?
Immediately following a disaster, you should contact your insurance company whether it is for a homeowners, renters or auto insurance claim. Most insurance companies have a toll free number that are designed to handle new claims. You can find many of the insurance company claim numbers for companies licensed in Nebraska on the Department of Insurance website at https://doi.nebraska.gov/sites/doi.nebraska.gov/files/doc/out11241.pdf
Keep in mind that this listing is not all inclusive. If you need assistance finding a company not listed, call the Department of Insurance on its toll free consumer hotline at 1-877-564-7323
What happens after I report my claim?
Your insurance company should send out an adjuster to inspect your damage. If circumstances allow, make a list of all property damage or destroyed, take pictures, keep a record of expenses, keep original bills and receipts for lost items. Submit these along with your claim to the insurance company.
What if my insurance does not cover all of the damage to m home or personal property?
You may be eligible for benefits under the FEMA program if you are unable to pay for the repair or replacement of essential parts of your home or essential personal property. FEMA information for policyholders can be found at http://www.fema.gov/
If you have insurance related questions or concerns, please contact the Nebraska Department of Insurance locally at 402-471-2201, or call its toll free consumer hotline at 1-877-564-7323. Additional information is available on the website at http://doi.nebraska.gov