CHICAGO — As the flood waters in West Virginia recede the Property Casualty Insurers Association of America (PCI) encourages residents to follow the orders of local authorities and as you are able to access your property, contact the National Flood Insurance Program, or your insurance agent or company to get the claims process started.
“The heavy rain and historic flooding on Thursday and Friday was devastating and our thoughts are with those who were impacted,” said Jeffrey Junkas, assistant vice president state government relations for PCI. “Insurers are available to answer questions and help families and business begin the recovery process. Claims adjusters are prepared and as emergency officials provide access to impacted areas, they will work with residents to file claims.”
Flood damage is typically covered through the National Flood Insurance Program policy rather than homeowners insurance. It is important to work closely with the adjuster and complete the necessary paperwork within the allotted time frame. As a claim is filed, there are a number of things residents can do such as photograph the damage and make an inventory of what was lost and damaged to help expedite the recovery process.
“However, cars, trucks and other vehicles damaged by flood water may be covered under an automobile insurance policy’s comprehensive coverage,” said Junkas. “Contact your insurance company or agent to discuss what is covered by your policy.”
Tips If You Experienced a Loss:
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.
PCI will continue to conversation on twitter @PCIAA and use #FloodSafety where we will share important tips and stories throughout the year.
For more information visit PCI’s Flooding Headquarters.