​Remember, the Maryland Insurance Administration can assist you by providing contact information for your insurer or by helping you with questions about how to file a claim. You can reach us at 800-492-6116. 

Quick Tips if you have damage after a storm: 

• Make sure your adjuster and insurer have your current phone number. 
• Make sure your address is visible from the street. You may need to post a sign with your address in the yard. 
  
• Try to be there when the adjuster visits and point out all damage. 
  
• Get multiple bids from contractors and compare them with the adjuster’s report before settling the claim. 
• Save proof that you paid the deductible on the claim. State law makes it illegal for contractors or roofers to offer to waive a deductible or to promise a rebate for your deductible. It also allows your insurer to request proof, such a receipt or canceled check, that you paid the deductible. 
• In the event a federal disaster declaration is issued, Marylanders can apply for federal aid for damage not covered by insurance at Disast​erAssistance.gov.  
• Report price gouging. It’s illegal to charge excessive prices for building materials and necessities to take advantage of a disaster. You can report suspected price gouging to the Office of the Attorney General or the Maryland Department of Labor. 
  

Tips for when you need to file a claim: 

• Call your insurance producer (agent or broker) or insurer as soon as possible to report property damage. See more here​.
  
• Keep a record of everyone you talk with about the damage, including your insurer, insurance adjuster and contractors. ​​
  
• Be ready to answer questions about the damage. See more here.
• ​Ask your insurer about an advance payment if you need help quickly.  
• Ask about living expenses. Most policies will cover some of the costs you have if you are unable to live in your home because of damage that is covered by your insurance policy. It is a good idea to keep your receipts for these costs since your insurer may ask for proof. See more here​.
  

• For additional information, visit the MIA’s website.
  

Additional Resources: 

• Property Damage: What to do after a loss
• If your property was impacted by a recent snow or ice event​​
  
• Water and mold: What you need to know about insurance coverage. See more h​ere​.​
• What if my insurer isn't paying enough? If you believe your insurer didn’t pay enough to cover your damages or unfairly denied your claim, you have options. See more here​.​
  
• My car was fl​ooded: Answers to common questions if y​our car is flooded​. ​
  

Additional Resources: 

• Resources and key contacts
• National Flood Insurance Program
• Apply for FEMA help, check the status of your application, or find a hotel that accepts FEMA's Transitional Sheltering Assistance. Visit here.
  
• Visit our website for additional resou​rces on post-disaster.