Insurance Flood Required Documents

INSURANCE FLOOD REQUIRED DOCUMENTS

Purpose: This form is a checklist and certification of the documents required to evaluate a flood insurance application or to process a flood insurance claim. Submission of the items listed below is required to permit underwriting, inspection, or claim adjustment. The insurer's determination of coverage, limits, and payment remains subject to the policy terms, conditions, exclusions, and deductibles.

1. Applicant / Insured Information

Date of birth:

2. Policy Details

Policy type: Residential Commercial Other

Policy period start:

Policy period end:

3. Mortgagee / Loss Payee / Beneficiary

4. Required Documents Checklist (Submit copies; originals retained by requester)

Proof of identity (government-issued photo ID)

Proof of ownership (deed, title, or settlement statement)

Current policy declarations page

Elevation certificate or certified flood elevation information

Photographs of property (pre- and post-event if claim)

Contractor repair estimates, bids, or invoices

Receipts for mitigation work or approved permits

Proof of premium payment or payment history

Proof of occupancy or lease (if applicable)

5. If Submitting a Claim — Claim-Specific Documents

Date of loss:

Police, fire, or emergency services report (if applicable)

Contractor estimates or scope of work

Documentation of emergency repairs or mitigation performed

6. Exclusions and Acknowledgements

Important: Submission of the documents requested on this checklist does not by itself confer coverage. Coverage is governed by the flood insurance policy terms, conditions, limitations, and exclusions. Typical exclusions include, without limitation, loss caused by earth movement not resulting from flooding, intentional acts, loss caused by war or nuclear hazard, and any loss otherwise excluded by the policy. The insurer may require additional documentation, inspections, or verification to determine eligibility and the amount payable.

The applicant hereby acknowledges that knowingly submitting false, incomplete, or materially misleading information in connection with a policy application or claim may result in denial of coverage and may subject the applicant to civil or criminal penalties under applicable law.

7. Declaration and Certification

By signing below, I certify that the documents provided with this checklist are true, accurate, and complete to the best of my knowledge. I authorize the insurer to obtain, verify, and exchange information necessary to process this application or claim, including contacting third parties such as contractors, public officials, mortgagees, or previous insurers. I understand that additional documents may be requested and agree to provide them upon request.

I understand and acknowledge that submission of these documents does not guarantee coverage or payment. Any payment made will be subject to policy provisions, applicable deductibles, and limits.

Certification: I attest that the information and documents provided are accurate and complete.

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