Contact your insurance company...because it's the first step for making a claim.

Insurance coverage can be a big help in disaster situations, so call your insurance company immediately, and make sure your agent has phone numbers and addresses where you can be reached day or night. This will put the claim on record and may get you some emergency help.

Check all your insurance policies because standard homeowner's policies don't cover floods. You also need to know if your flood insurance includes contents coverage. Pay special attention to any section that states what your duties are after a loss such as taking steps to reduce further damage like preventing mold. Don't take the attitude that your insurance company or agent will handle everything. Look at auto and health insurance, too, because these sometimes have overlapping coverage. If you don't have flood insurance, contact the American Red Cross or other charitable organizations for assistance. Most states have Voluntary Organizations Active in Disaster (see page 15). Also, check to see if you can register with the Federal Emergency Management Agency.

It's a good idea to mail a letter notifying your insurance company of your claim and outlining your loss. Get proof of delivery to protect you if your report goes unrecorded or if there is some question about the timing of your claim. Be wary of people who claim to be adjusters, and ask for identification. Thieves have been known to use this method to get inside your home.

Be prepared for the adjuster. Have evidence of your loss, including lists, appraisals, videos, photos, and receipts whenever possible. Don't sign anything until you've read it and fully understand it. Don't settle for less than what your property is worth. Professional contractors also can take a lot of the guesswork out of restoring or rebuilding your home. But be smart. Ask for references, and be especially wary of people who drive around a flooded neighborhood soliciting business. Scam artists may pose as contractors to get your money. To get more information about working with contractors see "More Information" on page 15.

If damage to your home exceeds 50 percent of its value, the National Flood Insurance Program requires that you raise your home to a higher level before rebuilding. Funds for this are provided through flood insurance policies. You also might get loans to make your home more flood resistant through the Small Business Administration.

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