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Vermont Flood Information

Current Information on Vermont Flooding

  • Vermont Emergency Management: Information about how and what steps to take to ensure your personal safety, how to deal with property damage and what helps is available from state and federal government. Contact 800-347-0488 or 802-244-8721 (Voice) or 888-545-8721 (TTY)
  • 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.
  • Guide to Federal Disaster Assistance

Information on Flood Insurance

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.
Click here for a more detailed FAQ addressing insurance coverage questions related to Vermont Flooding
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 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 on 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 a 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:
  1. Talk to the assigned adjuster about any concerns that you have.
  2. If you are not satisfied ask to speak with the adjuster’s supervisor.
  3. If the supervisor cannot resolve your issues contact the company’s claim representative.
  4. If you still have questions or concerns contact the Federal Emergency Management Agency (FEMA) at: www.fema.gov
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 exhausted the Additional Living Expenses provided by your insurance company or you are unable to locate rental resources in your area. http://www.fema.gov/assistance/process/dhelp_insurance.shtm
I am a Non Profit Organization that is looking for additional assistance.
Visit the Grant Program at http://www.fema.gov/government/grant/pa/index.shtm
Have Flood Insurance Questions?
Ask the Expert: http://www.fema.gov/plan/prevent/floodins/ask.shtm

Not sure who to contact with regard to your flood insurance questions? Contact Brenda Clark at the Consumer Services Division at the Department of Banking and Insurance (800) 964-1784 in state or (802) 828-3302.