As thousands of Texans face flood damage to their homes, a Texas Department of Insurance spokesperson urged people to document losses and damages and file claims immediately. Mistie Hinote, a spokesperson with the TDI, said homeowners should first determine whether to file with their homeowners insurer or the National Flood Insurance Program, run by FEMA.

Filing Claims and Documenting Damage

Hinote said residents should take photos, make necessary minor repairs such as tarping a roof, and keep receipts for possible reimbursement. Most homeowners insurance does not cover flood damage; flood coverage is often a separate policy.

For Texans without insurance, help could still be available. Because President Donald Trump has declared the event a major disaster, residents in 29 counties — including Kerr, Kendall, Bexar, Uvalde, and La Salle counties — may qualify for federal aid through FEMA. FEMA said people can apply for disaster assistance online by calling 1-800-621-3362, or by using the FEMA app.

Original reporting: San Antonio, TX News (HLL/CB) — read the source article.