10/28/2026
🌧️ **FLOODING IN OUR COMMUNITY: HOW TO GET HELP** 🌧️
With all the flooding we've experienced recently in Farmington, Bloomfield, and throughout the Four Corners, I want to share some important information for anyone whose home or property has been damaged.
Many homeowners may not know that standard homeowners insurance generally does NOT cover damage caused by outside flooding, such as rivers overflowing, flash floods, or rainwater entering a home from the ground. Flood damage is typically covered by a separate flood insurance policy.
But if you've been impacted, there may still be options for financial assistance.
🏠 **WHAT SHOULD YOU DO IF YOUR PROPERTY WAS FLOODED?**
1️⃣ Document the damage
- Take photos and videos of all damage before making repairs, if it is safe to do so.
- Make a list of damaged belongings, furniture, appliances, and other property.
- Keep receipts for temporary lodging, emergency repairs, cleanup, and other disaster-related expenses.
- Keep copies of your homeowners insurance policy and any claim or denial information.
2️⃣ Contact your insurance company
Even if you believe flooding is excluded from your policy, report the damage and ask for a written explanation of what is and is not covered. Other damage may be covered under your policy.
3️⃣ Check for FEMA disaster assistance
The Governor has requested federal emergency assistance for the recent flooding in San Juan County and surrounding areas. Federal approval and the specific assistance available are still important steps in determining whether affected residents can qualify.
You can monitor eligibility and apply if your area and disaster are approved:
🌐 **Official FEMA application website:**
https://www.DisasterAssistance.gov
📞 **FEMA assistance hotline:** 1-800-621-3362
FEMA assistance is not automatic, and not every flood event qualifies. If a federal disaster declaration is approved, eligible homeowners and renters may be able to receive assistance for certain disaster-related needs that insurance does not cover. Assistance may include temporary housing or eligible home repairs, depending on the program and individual circumstances.
4️⃣ Don't overlook other resources
- Call 211 for information about local emergency assistance and available community resources.
- Follow updates from San Juan County, the City of Farmington, the City of Bloomfield, and New Mexico emergency management officials.
- Keep records of all applications and conversations with insurance companies and assistance agencies.
Many families in our community are dealing with unexpected damage, lost belongings, and uncertainty about how they will recover. Sharing accurate information may help someone find the assistance they need.
My thoughts and prayers are with everyone affected by these floods. Let's continue looking out for our neighbors and helping our community recover.
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