Insurers Offer Advice to Flood Victims in the Southeast

COLUMBIA, S.C. – Following heavy rains that hammered portions of the southeast and the continuing threat of more flooding over the next few days, the Property Casualty Insurers Association of America (PCI) urges property owners to take precautions to protect themselves and their belongings.

“Over the weekend heavy rains flooded several streets in South Carolina and with more severe weather on the way, insurers are warning residents to take time now to get prepared,” said Micaela Isler, PCI’s assistant vice president of state government relations. “Insurers are here to help in the recovery process and assist families and businesses file claims following any weather event. With the likelihood of more flooding, It’s important to be prepared by reviewing your insurance policy, taking a home inventory, and keeping your insurer or agents number handy.”

Once you file your claim, PCI says there are a number of things you can do, such as photograph the damage and make an inventory of what was lost and damaged to help expedite the recovery process.

“With heavy rains, streets especially in the southeast can quickly flood. So if your vehicle was damaged in this recent round of rain, contact your insurance company or agent immediately to see if you have coverage,” said Isler. “Water damage to a vehicle is typically covered under an auto policy’s comprehensive insurance coverage. If your home is near water or in a low-lying area, make sure you seek higher ground to avoid rushing waters. Do not drive in rushing water, remember to ‘turn around, don't drown.’ Right now, insurance companies are working with those in the field who were impacted by the last round of storms. Once emergency officials say it’s safe, adjusters will move into the affected areas and assist customers.”

PCI Flooding Tips 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.

• 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.

Additional information can be found on PCI Flooding Headquarters.

About Us

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 more than $183 billion in annual premium, 35 percent of the nation's property casualty insurance. Member companies write 42 percent of the U.S. automobile insurance market, 27 percent of the homeowners market, 32 percent of the commercial property and liability market and 34 percent of the private workers compensation market.

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Photograph the damage and make an inventory of what was lost and damaged to help expedite the recovery process.
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Check with your insurance adjuster for referrals to professional restoration, cleaning and salvage companies if additional assistance is needed.
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