People affected by the floods need to take photos and call their insurer.
Insurance and Savings Ombudsman Karen Stevens said this should be done before you start your clean up.
"We understand it's a very stressful time for those affected. But by contacting your insurance company as soon as you can, you could avoid problems later on," she said.
The Insurance and Savings Ombudsman Scheme has dealt with a number of flood related insurance complaints over the past 20 years. "We've seen many cases where people have cleaned up after a flood, thrown all the damaged items away, then had difficulty proving that the items were damaged."
Ms Stevens says those who are able to stay in their homes should try to prevent more weather damage if that is possible.