08/16/2026
FLOOD DAMAGE? REPORT IT. EVEN IF YOU DON’T HAVE FLOOD INSURANCE.
🚨 PLEASE SHARE — IMPORTANT INFORMATION FOR INDIANA HOMEOWNERS AFFECTED BY FLOODING & SEVERE STORMS 🚨
❤️ If your home or property has been damaged, PLEASE REPORT IT — even if you do not have flood insurance or believe insurance will not cover the damage.
I know many of our friends, families, neighbors and communities across Indiana are dealing with devastating flooding and storm damage. Seeing homes, belongings and years of memories damaged by water is heartbreaking.
Please do not automatically assume you are on your own or that there is nothing you can do. There are important steps you should take NOW.
📍 1. REPORT YOUR DAMAGE TO INDIANA 211
THIS MAY BE THE MOST IMPORTANT STEP.
Indiana uses damage reports to help determine the extent of a disaster and what additional state or federal assistance may be needed or become available.
📞 Call 211 or 866-211-9966
🌐 You can also submit a damage report online through Indiana 211 Damage Reporting.
Report your damage even if:
• You don’t have flood insurance
• Your homeowners insurance doesn’t cover flooding
• You aren’t sure whether you qualify for assistance
• You’ve already started cleaning up
• You think your damage isn’t as severe as someone else’s
Every legitimate damage report helps officials understand the true impact on our Indiana communities.
If Indiana 211 is not accepting reports for your particular county or storm, contact your County Emergency Management Agency for guidance.
🏠 2. CHECK FOR INDIANA STATE DISASTER ASSISTANCE
Indiana has a State Disaster Relief Fund that may provide assistance to eligible homeowners who are uninsured or underinsured when assistance has been activated for a particular disaster.
Eligibility and availability depend upon the specific storm, county, declaration and available funding.
Check the Indiana Department of Homeland Security Disaster Resources for Survivors page for current information and applications.
🇺🇸 3. WATCH FOR FEMA INDIVIDUAL ASSISTANCE
⚠️ Important: A disaster or emergency declaration does NOT automatically mean individual homeowners qualify for FEMA assistance.
If FEMA Individual Assistance is authorized for your county, eligible homeowners and renters may potentially receive assistance for:
• Essential home repairs
• Temporary housing
• Certain personal property losses
• Other eligible disaster-related expenses
📞 FEMA: 1-800-621-3362
FEMA Individual Assistance is generally grant assistance that does not have to be repaid, but eligibility and the amount/type of assistance depend upon your individual circumstances and the disaster declaration.
💰 4. CHECK FOR SBA DISASTER ASSISTANCE
Something many people don’t realize:
The U.S. Small Business Administration does NOT only help businesses.
When SBA disaster assistance is authorized for an affected area, eligible homeowners may be able to apply for low-interest disaster loans to repair or replace their primary residence. Homeowners and renters may also potentially qualify for assistance with damaged personal property.
⚠️ These are LOANS and must be repaid.
Availability depends upon the disaster declaration and whether your county is included.
📸 5. DOCUMENT EVERYTHING BEFORE YOU THROW IT AWAY
Before removing damaged belongings or materials, take LOTS of photos and videos.
Document:
📷 Water lines on walls
📷 Flooring, drywall and insulation
📷 Furniture
📷 Appliances and mechanical systems
📷 Clothing and personal belongings
📷 Structural damage
📷 Exterior damage
📷 Vehicles, garages and outbuildings if affected
📷 Anything else damaged by the storm or flood
Take wide-angle photos AND close-ups whenever possible.
Keep receipts for:
• Cleanup supplies
• Pumps, fans and dehumidifiers
• Repairs
• Contractors
• Temporary lodging
• Replacement necessities
• Other disaster-related expenses
Once you’ve documented the damage, begin safely removing wet materials and drying the home as soon as practical to help prevent additional damage and mold.
☎️ 6. CONTACT YOUR INSURANCE COMPANY ANYWAY
Even if you believe the damage isn’t covered, contact your homeowners and/or flood insurance carrier and report the loss.
Ask what is covered, what documentation they require and what you should do before making permanent repairs.
Keep copies of claim numbers, adjuster information, correspondence, estimates and any coverage or denial documentation you receive.
🧹 7. ASK ABOUT LOCAL CLEANUP & RECOVERY HELP
Contact:
• Indiana 211
• Your County Emergency Management Agency
• American Red Cross
• Local government
• Churches and community organizations
Resources may be available for cleanup, shelter, food, temporary housing, supplies and other recovery needs.
⚠️ AND PLEASE BE CAREFUL OF CONTRACTOR & DISASTER SCAMS
Unfortunately, disasters can bring out scammers.
Be cautious about giving large amounts of money upfront, verify contractors and insurance, get agreements in writing and don’t feel pressured into making an immediate decision because someone showed up at your door.
❤️ MOST IMPORTANT: PLEASE REPORT YOUR DAMAGE.
DO NOT ASSUME YOU DON’T QUALIFY FOR HELP JUST BECAUSE YOU DON’T HAVE FLOOD INSURANCE.
Reporting damage doesn’t guarantee financial assistance, but it helps Indiana document the true scope of the disaster and can be an important part of determining whether additional assistance becomes available.
Indiana is full of people who show up for one another when things get hard. ❤️
Please SHARE this post. Someone on your friends list may be standing in a flooded home right now, overwhelmed and unsure where to even begin.
One share could help them know what to do next.
🙏 Praying for every Indiana family and community affected. Hoosiers take care of Hoosiers. ❤️
Indiana’s disaster resources page confirms that Indiana 211 is actively collecting damage assessments for multiple counties, and the state’s disaster relief system can be activated for individual assistance after qualifying events.
