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For Consumers > Flood Resources > Flood FAQ
Flood Coverage Frequently Asked Questions

After The Flood Hits
Answers to Common Questions About Flood-Related Property Damage

  • Do homeowners’ insurance policies cover flooding?
    Homeowners policies DO NOT cover most flooding. You need a separate flood insurance policy to protect your home and belongings against flood damage.
  • Do automobile insurance policies cover flooding?
    Yes, if you purchased comprehensive coverage. If you only have liability coverage, your vehicle is not covered for flooding.
  • Can I buy flood insurance if my property has flooded in the past?
    Yes, even if your home has been flooded before. However, there may be a 30-day delay before flooding is covered. See your insurance agent for details.
  • Will federal disaster assistance pay for my flood damage?
    You may be eligible for federal disaster assistance if your home is in a federally declared disaster area.
  • My neighbor’s tree fell on my property and caused damage. Is the neighbor’s homeowners’ insurance company responsible for payment of my repairs?
    Generally speaking, if your neighbor’s healthy tree falls on your home, fence, or other property, it is your insurance company’s responsibility to pay for repairing the damage. Your neighbor’s insurer would probably only accept liability and pay for the damage if the tree was dead or weakened in such a way that the owner should have known it was dangerous before it fell.
  • If I am not satisfied with the service that my insurance company has given me, how do I file a complaint with the Department of Insurance?
    All complaints should be submitted in writing to the Department of Insurance. You can call us for a form at 800-852-3416 or 603-271- 2261, or complete the written form and submit it to the New Hampshire Department of Insurance.
  • I don’t know how to get in touch with my insurance company.
    Contact the New Hampshire Department of Insurance. We have staff standing by during business hours to answer your insurance-related questions, provide guidance and information, including contact information for insurance agents and companies.

For more information visit


New Hampshire Insurance Department | 21 South Fruit Street, Suite 14 | Concord, NH 03301
Phone 603.271.2261 | Fax 603.271.1406 | Consumer Hotline 1.800.852.3416

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