Reporting Hurricane/Flood Insurance Claims:

• Contact your insurer and let them know that you have a claim. Ask them for immediate financial assistance in covering additional living expenses that are generally provided under homeowner's policies.
• Let your insurer know how to get in touch with you. Cooperate with your insurer in completing any claim forms and proof of loss forms that they may require. Let your agent or insurance company know of your temporary forwarding address and phone number.
• If you have a dispute with your insurer about the amount of the claim settlement, contact your state insurance department for assistance.
• If your home is damaged or is currently awaiting repairs, take steps to protect your home from further damage and document the state of your home with photos or video.
• Beware of downed power lines, especially near water - to avoid risk of electrocution.
• When returning home, do not drive through flooded areas or through road barriers -they are there for your safety.
• If your house is damaged, shut electricity off at the breakers. Keep power off until an electrician has inspected your system for safety.
• Copies of your household inventory and other documentation will assist the adjuster in assessing the value of the destroyed property.
• Immediately report property damage or additional damage to your insurance agent and company.
• If you have difficulty reaching your insurance company, contact your state insurance department's consumer hotline for assistance. Links to all state insurance departments can be found on www.naic.org.
• Do not have permanent repairs made until your insurance company has inspected the property and you have reached an agreement on the cost of repairs.
• Beware of fly-by-night repair businesses. Hire licensed and reputable service and repair people. Get references and use local businesses, when possible.