[header] How to file a flood insurance claim [title] Check your policy. [step] Not all insurance policies include flood damage, and it is often a secondary policy that you'll have to have before the flood occurs. Before you notify your insurance agency, it's a good idea to check over your policy to ensure that you are covered for flood damage. 
[substeps] In addition to checking for a flood policy, you should also check your declarations page. Make sure all of your information is up to date.