Call your insurance agent or company representative and discuss the particular requirements for reporting a flood can vary from company to company , so knowing how to proceed can save a lot of effort later . Remember , after a flood it may be difficult to get in touch with your agent or insurance company . Power and phone service may be interrupted, or phone lines may be overwhelmed with other callers. It will benefit you to know just what to do in advance of flooding. After a flood, you may be unable to stay in your home or to be contacted at your home address and phone number