If you've gotten back to your home in Florida and discovered it flooded, or a neighbor has informed you your house has water inside, here are the things you could do first.

There could be health and injury threats from a flooded house. These are tips from the Centers for Disease Control and Prevention:

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If you have flood insurance through FEMA, call FEMA immediately and have the paperwork with your policy number in front of you.

FEMA will open a claim and direct you to mitigate damages as much as possible.

Standard homeowners and renters insurance policies typically do not cover flood damage. You can apply for disaster assistance at DisasterAssistance.gov. Here is a pdf for help with assistance.

Disaster survivors may also access FEMA via smartphone by downloading the

application from www.fema.gov or through their mobile provider’s application store. Other contact options:

Phone: Disaster survivors may call FEMA toll-free at 800-621-3362 to register for assistance or check their application status.

TTY: Disaster survivors who are deaf, hard of hearing, or have a speech disability and use a Text Telephone (TTY) may call 800-462-7585.

Text: Disaster survivors who use 711 or VRS (Video Relay Service) may call 800-621-3362.

National Flood Insurance Program policyholders, contact your insurance agent or company to file a claim. Information about filing a claim, documenting damage, working with your flood insurance adjuster, making repairs and understanding your claim payment is available on FEMA.gov.

Anyone who doesn’t know who their insurance agent or company is, needs to start a claim or get general information may call 877-336-2627.  

Yes. According to FEMA.gov, policyholders should be sure to ask their insurance company. They may be eligible for up to $20,000 to jumpstart recovery.

Those who have damage from both wind and flood will need to file two separate claims: a homeowner’s insurance claim for wind damage and a flood insurance claim. The policies for each claim may be with different companies and you may have to work with more than one insurance company representative.

Your local homeowners insurance may work with companies that do flood mitigation, repairs and restoration. Be sure anyone you use is licensed and insured.

FEMA.gov has these tips and a help sheet for saving your family treasures:

The first thing to do when your vehicle is flooded is to call your insurance company, and which insurance company may depend on where your car got flooded. For those who have or can obtain photographs of the car during the storm, those are convenient, but not critical, in making a damage claim.

Flooded car?:Here’s what to do (and what NOT to do)

If your car was in your home's garage, a call to your homeowners insurance company would come first and get direction from your agent. But it may also be necessary to call both your auto insurance company and FEMA if you have flood insurance.