PCI gives helpful tips for dealing with floods

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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.

The Federal Emergency Management Agency (FEMA) can be contacted at 800-621-3362 or www.fema.gov and

Residents with flood insurance policies through the National Flood Insurance Program (NFIP) can contact either the flood insurance agent or the NFIP directly at (888) 379-9531 or www.floodsmart.gov.

The Florida Department of Insurance is also available to assist the consumer with questions on insurance claims 850-413-3140.

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.

 

Phil Ammann is a St. Petersburg-based journalist and blogger. With more than three decades of writing, editing and management experience, Phil produced material for both print and online, in addition to founding HRNewsDaily.com. His broad range includes covering news, local government and culture reviews for Patch.com, technical articles and profiles for BetterRVing Magazine and advice columns for a metaphysical website, among others. Phil has served as a contributor and production manager for SaintPetersBlog since 2013. He lives in St. Pete with his wife, visual artist Margaret Juul and can be reached at phil@floridapolitics.com and on Twitter @PhilAmmann.