What steps can homeowners take to prepare for a flood insurance claim?

Homeowners are advised to create an inventory of their belongings, including estimated values, and to record video documentation of possessions. This foresight simplifies and speeds up the claims process in case of a disaster.

Why is video documentation recommended for flood insurance claims?

Video documentation provides a visual inventory of possessions which can quickly and reliably verify ownership and condition in the event of a claim. It is a simple yet powerful tool for ensuring a comprehensive record.

How does preparing for a flood insurance claim benefit homeowners and businesses?

Preparation minimizes stress during the claims process, potentially saves money by avoiding disputes over valuations, and ensures quicker restoration and recovery efforts. It provides peace of mind in dealing with unfortunate events.

How to Prep for a Smooth Flood Insurance Claim

When it comes to flood insurance, preparation is key. Tyler Ardron, Executive Vice President at Floodproofing.com, often advises homeowners and businesses to take proactive steps before a storm hits. “We deal with this all the time with our clients,” Ardron explains. “Have a list of your belongings, include estimated values, and schedule everything out ahead…

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By Martha Lewis · August 11, 2025, 7:38 PM UTCClaim ProcessDisaster PreparednessEmergency PlanningFlood Damage

Key takeaways

Proactive preparation is essential for flood insurance claims.

Creating an inventory and video documentation can streamline the claims process.

Preparation reduces stress and potential costs during recovery.

One simple and highly effective method Ardron recommends is using your smartphone. “Walk through your home or building and record a video of your possessions. Open drawers, show electronics, furniture—everything. Even that quick video can serve as valuable documentation if you ever need to file a claim,” he says.

This kind of foresight not only helps ensure your flood insurance claim goes smoothly, but also offers peace of mind during an already stressful time. By taking a few simple steps today, you can save yourself significant time, money, and frustration if disaster strikes tomorrow.

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Video TranscriptExpand ↓

We deal with this all the time with our clients. We make sure to tell them to schedule everything out. I have a list of every item, values associated with them, everything like that before the storm because, you know, during the claim process, you don't wanna have to worry about what you're missing, what, you know, how much the values are, all that good stuff. Another easy way to do do it, I always say, is everybody has a cell phone nowadays. Record a video, walking through your home, looking at all the different items and everything like that. Even if you could do just that, at least you have some form of documentation to show, you know, if a storm comes, god forbid, and there is damage, you'll be able to know, what was there, what was damaged, what the value is, and make that claim process go a lot quicker and smoother than having to do that after the the fact.

About the author

Martha Lewis

How to Prep for a Smooth Flood Insurance Claim

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