Water level
Safe photos of waterlines and the areas reached.
Claims We HandleFlood
Flood
Document the water. Protect the record.
Flooding, including storm surge, is not interchangeable with a plumbing leak. Review any flood policy separately from other property insurance.
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Understand your claim
Where the water came from matters.
Rising surface water and storm surge are different from a plumbing leak. Record water levels, entry locations and affected property, and identify any flood insurance that applies. Keep building and belongings records organized separately.
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See the whole claim
Three parts of a clear record.
Property
Room-by-room building and belongings records.
Flood policy
Coverage documents, claim instructions and required submissions.
Start here
Your next steps.
- 1
Wait for safe access
Avoid floodwater and follow local emergency instructions.
- 2
Capture waterlines
Document visible levels and affected areas when safe.
- 3
List affected items
Record descriptions and photographs before disposal where safe.
- 4
Track requirements
Confirm the flood insurer’s required documents and deadlines.
Flood · Storm surge
Storm surge is part of the flood picture.
Storm-driven coastal water can damage buildings and belongings during a hurricane or other coastal storm. Document the water level, entry points, timing, and affected property. Wind damage and flood damage may involve different coverage, so keep their evidence organized separately.
Review applicable flood-policy terms, limits, and required documentation. A hurricane does not make all resulting damage payable under the same policy.
Explore hurricane claims →Build a clear record
What should you document?
Water entry locations, depth, duration, and affected levels
Flood-policy documents and required loss records
Photos, inventories, cleanup records, and safe mitigation expenses
Protect people first and follow emergency instructions. Coverage, exclusions, deductibles, duties, and deadlines depend on the policy and applicable rules. A loss does not automatically establish coverage.
How UCAG helps
The policy. The damage. The documentation.
UCAG reviews the available policy and claim records, documents the reported loss, and helps policyholders understand disputed scope and payment questions. A review can address a new, denied, underpaid, delayed, or closed claim.
Look up claim terms → · Compare roofing types → · Browse all claims →
Preparedness & prevention
Plan for rising water before roads close.
Flood readiness includes knowing where water may collect and how you will reach a safer location.
Know the route
Identify higher ground and alternative travel routes. Sign up for local warnings and plan for household members and pets.
Review drainage systems
Have a qualified professional assess sump pumps, backup power and appropriate plumbing backflow protection where relevant.
Keep essentials ready
Pack medication, records, chargers and necessary supplies so you can leave promptly. Store important documents where they are protected from water.
Review flood coverage early
Ask about flood insurance before a storm threatens. Waiting periods and other restrictions can affect when coverage begins.
Storm surge belongs in this flood plan too. Never walk or drive through floodwater, and do not stay behind to protect belongings when evacuation is needed.
Safety guidance & further reading
Straightforward answers
Common questions.
Is storm surge covered on this page?
Yes. Storm surge is coastal flooding associated with hurricanes and other coastal storms. Document its source, timing and effects alongside the other flood evidence.
Does my homeowners policy include flood?
Most homeowners policies do not cover flooding. Check for a separate flood policy or specific applicable coverage instead of assuming all water losses are treated alike.
Can I wait until everything is repaired to document it?
Capture the condition before cleanup and during necessary work when safe. Keep inventories, photos and receipts, and follow your insurer’s submission requirements.
Further reading: National Flood Insurance Program: What is a flood?. State-specific guidance applies in its stated jurisdiction. Your policy and circumstances determine coverage.
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Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012
Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012