As torrential rains pummeled the Florida Panhandle and southern Alabama on Wednesday, with heavy flooding and forced evacuations, Property Casualty Insurers Association of America (PCI) urges residents to follow all warnings issued by local officials.
“PCI reminds citizens that insurers are on hand to answer questions and help families and businesses quickly resolve problems, file claims and begin the process of recovering from these events,” says PCI spokesperson Donovan Brown. “Flood damage is not covered by your standard policy, and must be purchased as a separate policy.”
Flooding presents particular challenges, but there are resources available to help.
Toll-Free Policyholder Claim Phone Numbersare available to answer claims questions for all of its member insurers.
PCI offers a number of helpful tips for anyone impacted by flooding:
- Keep all receipts for anything bought for that purpose so for submission to the insurance company.
- Report all damage to the insurance company or agent as soon as possible, in order to settle a claim more quickly and accurately.
- Prepare a list of damaged items. If possible, get a set of records ready, such as receipts, bills and photographs, to establish the age of everything that needs replacement or repair.
- Categorize structural damage to your home and make a list of everything you want to show the adjuster.
- Don’t throw out damaged furniture or other expensive items, since adjusters need to examine them. They also suggest taking photographs of all damage before the cleanup begins.
With over 1,000 members, PCI represents a broad cross-section of private insurers, which write over $195 billion in annual premiums and 39 percent of the nation’s property casualty insurance.Member companies write 46 percent of the U.S. automobile insurance market, 32 percent of the homeowner’s market, 37 percent of the commercial property and liability market, and 41 percent of the private workers compensation market.