American Property Casualty Insurance Association
  • Staff Contact: Brooke Kelley     
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  • May 24, 2018
  • Insurers Encourage Storm Preparation for “Invest 90L”
  • Brooke Kelley




    May 24, 2018

    Insurers Encourage Storm Preparation for “Invest 90L”

    TALLAHASSEE, Fla.Chances are good that tropical disturbance “Invest 90L” will be a major rain maker for several states along the Gulf of Mexico and the Property Casualty Insurers Association of America (PCI) is urging those along the coast to take steps now to prepare.

    “PCI encourages property owners to take precautions to protect themselves and their belongings from direct and indirect impacts that Invest 90L could have on homes and businesses,” said Logan McFaddin, PCI’s Florida regional manager.

    “This system could bring major flooding to areas along the Gulf Coast. This is a good reminder for residents to get prepared now as the start of hurricane season is near. Insurers and catastrophe teams will be ready to respond in the event of significant damage. If you do have damage, it’s important to contact your insurer or agent as soon as possible so they can help you begin the recovery process.”  

    Flooding from storm surge during hurricanes and tropical storms can be especially dangerous for residents along the coast. “Flooding is not covered by your standard homeowners policy, however, flood insurance coverage can be purchased through the National Flood Insurance Program or your insurance company.

    “Just be aware that there is typically a 30-day waiting period between the date of purchase and when the actual flood coverage goes into effect,” said McFaddin. 

    PCI recommends taking the following precautions:

    -Review your property insurance policy, especially the “declarations” page, and check whether your policy pays replacement costs, or actual cash value for a covered loss.

    -Inventory your household items, and photograph or videotape them for further documentation. Keep this information and your insurance policies in a safe place.

    -Keep the name, address and claims-reporting telephone number of your insurer and agent in a safe and easily accessible place.

    -Protect your property by covering all windows with plywood or shutters, moving vehicles into the garage when possible and placing grills and patio furniture indoors.

    -Keep all receipts for any repairs so your insurance company can reimburse you.

    -Check with your insurance adjuster for referrals to professional restoration, cleaning and salvage companies if additional assistance is needed.

    -Make sure watercraft are stored in a secure area, like a garage or covered boat dock. A typical homeowner’s policy will cover property damage in limited instances for small watercraft, and separate boat policies will provide broader, more extensive property and liability protection for larger, faster boat, yachts, jet skis and wave runners. Additional information can be found on PCI’s Hurricane Headquarters page.

    Important Links:

    Online Magazine:

    2018 Insurance Checklist:

    2018 Hurricane Fact Sheet:

    2018 Insurance Claim Tips:

    Replacement Cost vs. Actual Cash Value:


  • PCI promotes and protects the viability of a competitive private insurance market for the benefit of consumers and insurers. PCI is composed of nearly 1,000 member companies, representing the broadest cross section of insurers of any national trade association. PCI members write $220 billion in annual premium, 37 percent of the nation's property casualty insurance. Member companies write 44 percent of the U.S. automobile insurance market, 30 percent of the homeowners market, 35 percent of the commercial property and liability market and 37 percent of the private workers compensation market.
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