American Property Casualty Insurance Association
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Brooke Kelley-Hunt







July 3, 2014

PCI Offers Insurance Advice for Residents Evacuating Due to Hurricane Arthur

CHICAGO – As Hurricane Arthur bears down on the North Carolina coast, residents should listen to warnings by emergency officials and seek safety when asked to evacuate, says the Property Casualty Insurers Association of America.

“It’s important to follow the orders given by emergency officials,” said Chris Hackett, director of personal lines for PCI. “Save all of your receipts from hotels and restaurants if you have been asked to evacuate to a safe area. You may be eligible for reimbursement from your insurer if your home experiences damage. Once the local authorities say it is safe to return home, inspect your property for storm damage and if you're home has damage, contact your insurer immediately. Insurance is there to protect your valuables, allow you to rebuild if necessary and get your life back to normal as soon as possible. Insurance companies train adjusters and plan year-round for major storms and they are prepared to move adjusters into the affected areas and assist customers as soon as it is safe.”

PCI Hurricane Arthur Evacuation Tips:  

·         Follow your family evacuation plan and have all family members meet at one previously agreed upon location or call one relative or friend out of the area to communicate and plan next steps. 

·         Remember to bring eye glasses, medicines or other important items and prepare for your pet’s needs, bring leashes, food etc. 

·         If possible, prior to evacuating, policyholders should bring their important paperwork with them including a copy of their insurance policy.  Policyholders should contact their insurance company immediately once they are evacuated. 

·         Policyholders who have lost their homes due to a covered loss are immediately eligible for Additional Living Expense (ALE) coverage which may reimburse for increased living expenses such as, lodging, clothing, toiletries and other necessities. Policyholders who are evacuated for a period of time by state or local officials, and do NOT lose their home, may also be eligible for ALE reimbursement if the home next door is damaged and civil authorities prevent you from returning to your home. Remember to keep your receipts so it will make the claims process easier.

·         It’s important to note, that flooding is not a covered loss under the standard homeowners insurance policy, Flood insurance must be purchased as a separate policy.

Additional Resources for Emergency Preparedness

Insurance Information Institute Suite of Apps for Disaster Preparedness

American Red Cross Emergency Response Apps

Federal Emergency Management Agency Emergency Tips & Shelter Information Apps

PCI is composed of more than 1,000 member companies, representing the broadest cross-section of insurers of any national trade association. PCI members write over $195 billion in annual premium, 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 homeowners market, 37 percent of the commercial property and liability market, and 41 percent of the private workers compensation market.