How do I find out if a house has sustained flood damage?

A good insurer can check the insurance database for flooding claims and let you know the type and amount of the claim made.

The seller is supposed to disclose it in the sellers disclosure. A good insurer can check the insurance database for flooding claims and let you know the type and amount of the claim made. Best, francois@cozy-homes.com

Hi Carter,

If the current owner has sustained flood damage (or had knowledge from any previous owner that the property has flooded), he/she would note this in the Seller's Disclosures of the property and, in the case of our Broker and many others, it will also be noted and expanded upon in the Addendum to Seller's Disclosures.

It's also a good idea to ask your Realtor to pull up the flood maps on a property, check the Disclosures to see if the Seller notes it is in the 100 year flood plain (some are but have never flooded while some aren't and have flooded), obtain a quote for both hazard insurance and flood insurance from your insurance agent (if the property is in the flood plain, your insurance agent will need an Elevation Certificate), etc.

I highly recommend Susan Gonzalez with Liberty Mutual and Elevation Express for Elevation Certificates.

Susan Gonzalez
Lead Sales Representative
Liberty Mutual Insurance
Direct Dial: 281-364-1090 Ext 59246 Cell: 832-339-3243
susan.gonzalez@libertymutual.com

Sonya M Irshad
Elevation Express Land Surveys
281-674-5685 Office
elevationexpress@comcast.net
www.elevationexpresslandsurveys.com

Hope this helps! Let me know if you have any further questions or would like more information on a particular property!!

Darby Grimmett / KW / darby@darbygrimmett.com / 936-827-9217