American Red Cross Flooding Response Information: Need assistance with temporary housing, food, medical needs? Contact American Red Cross at: www.redcrossvtnhuv.org or call: 802-660-9130.
FEMA (Federal Emergency Management Agency): Toll free at (800) 621-3362, or call TTY (800) 462-7585, if you have a speech or hearing disability.
Do I have flood insurance?
Flood is not covered in a typical homeowners, renter's or condominium policy. Flood insurance is provided through a separate flood insurance policy and contents coverage must be purchased separately.
How do I file a flood insurance claim for my house or condominium?
If you have property damage and have a flood insurance policy in force you should contact the insurance company or agent who wrote the policy. A policyholder must file a "proof of loss" within 60 days of the date of loss. If you have questions, consult with your insurance representative, or call the NFIP (National Flood Insurance Program) toll-free at 1-800-638-6620, or on the TDD line at 1-800-447-9487.
How do I file a claim for my flood damaged auto?
If you carry comprehensive coverage on your automobile policy you can file a claim directly through your agent or company. Contact information can be found on your insurance ID card or your declarations page.
What do I do immediately after a flood if I have flood insurance?
Contact your agent or company to report your loss. Separate your damaged property from your undamaged property and don't throw anything away before the adjuster has seen it. Make a list of damaged contents. List all areas of Structural Damage that you want to be sure to point out to the adjuster.
How will my claim be handled under my flood insurance policy?
An adjuster should contact you within 24-48 hours after you report your loss. The adjuster will set a time to view your property. During the visit the adjuster will take measurements and photographs and let you know if additional visits will be required. The adjuster will provide a detailed estimate of damages and you will receive a copy to present to the contractor. You may ask for advance or partial payment if you have a covered loss.
How do I appeal the settlement of my flood claim?
Under FEMA'S guidelines you must take the following steps:
How can I obtain flood insurance?
You can contact any licensed insurance producer in your community. Locate an agent in your area: www.fema.gov/nfipInsurance/search.do . Note: Your community needs to participate in the National Flood Insurance Program to be eligible to purchase flood insurance. To find out if your community participates, go online to: www.fema.gov/fema/csb.shtm.
If a Major Disaster Declaration is granted where can I go for assistance?
http://www.fema.gov/assistance/index.shtm or call the registration line at (800) 621-3362. Call TTY (800) 462-7585, if you have a speech or hearing disability.
If I have flood insurance, is disaster help available?
Go to this site if your insurance settlement is delayed, your settlement is insufficient to meet your disaster-related needs, you have exhaused the Additional Living Expenses provided by your insurance company, or you are unable to locate rental resources in your area. httpL//www.fema.gov/assistance/process/dhelp_insurance.shtm.
I am a Non-Profit Organization that is looking for additional assistance, is help available?
Visit the grant program at http://www.fema.gov/government/grant/pa/index.shtm.
Not sure who to contact with regard to your flood insurance questions? Contact our Insurance Consumer Services Division at the Department of Financial Regulation.at (800) 964-1784 or (802) 828-3302.