We received the following from Insurance Commissioner John Doak:
With so many Oklahomans affected by recent flooding, I want to take a moment to pass along some information that could be helpful to your constituents.
Individuals affected by recent flooding who have flood insurance need to file a claim as soon as possible. A federal disaster was declared for 20 Oklahoma counties for the storms from May 5 to June 4, and more declarations may be coming. All claims must be filed within 60 days of the flooding event.
A flood insurance policy is separate from a homeowner’s policy, which in most cases does not pay for flood claims. The National Flood Insurance Program is run by the Federal Emergency Management Agency, which works with nearly 90 private insurance companies to offer flood insurance in communities that participate in the National Flood Program. A link to the list of Oklahoma communities participating can be found here: https://www.fema.gov/cis/OK.html.
If someone needs to file a claim, they should call their insurance agent immediately. An adjuster should contact them within a few days. The adjuster will need evidence of the damage to their home or business. Here are some tips for those who file a claim:
- Take photographs of all damaged property including discarded items, structural damage, and standing floodwater levels.
- Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.
- Officials may require disposal of damaged items, so if possible, place flooded items outside of the home.
The adjuster will provide the claimant with a Proof of Loss form for their official claim damages. Again, this claim must be filed with the insurance company within 60 days of the flood.
For general flood insurance questions, call the National Flood Insurance Call Center at 800-427-4661 or go to floodsmart.gov. If you have a constituent encountering trouble with this process, please have them contact my office at www.ok.gov/oid or 800-522-0071.
John D. Doak
Oklahoma Insurance Department