As Florida residents impacted by Hurricane Ian start to assess harm, the American Property Casualty Insurance Association (APCIA) is urging householders to contact their house, auto, and/or flood insurer as quickly as attainable to file their declare. Insurers could also be contacted by their toll-free claims quantity, app, web site, or by textual content.
“The first step toward recovery is filing your insurance claim and getting the claims process started. To help with the claims process, make an inventory of what was lost or damaged and keep any receipts for materials you purchase to assist with repairs. Insurers stand ready to help their policyholders recover and rebuild after Hurricane Ian by paying covered claims as quickly as possible,” stated Logan McFaddin, APCIA’s vice chairman of state authorities relations.
Damage related to wind and different extreme climate is often coated beneath normal householders, renters, or business coverage. Property homeowners with flood harm want to contact their flood insurer to file a flood-related declare. Water harm to a car is often coated beneath an auto coverage if the policyholder has chosen to buy complete bodily harm protection.
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Many normal householders and renters insurance policies present reimbursement of extra dwelling bills when the property is set to be uninhabitable due to harm. This provision helps pay for issues like non permanent housing, restaurant meals, in a single day parking, and laundry service. Check together with your insurer or agent for an inventory of what your coverage will cowl.
“After the storm, watch out for fraudsters, dishonest contractors, and other third parties who come out of the woodwork to prey on homeowners in desperate need of repairs. Before signing any contracts for repair work, talk to your insurer first to make sure the damage is covered and then find a licensed, reputable contractor to do the work,” added McFaddin.
Florida’s Insurance Consumer Advocate and APCIA has created a Prevent Contractor Fraud and Abuse Guide that particulars red-flag warning indicators and steps to take earlier than hiring a contractor.
The American Property Casualty Insurance Association is the main nationwide commerce affiliation for house, auto, and business insurers.