Insurers Offers Tornado Recovery Advice to Southeast

Tallahassee, Fla. - Severe storms ripped through the southeast over the weekend, particularly in Florida, Georgia, Louisiana, Texas, South Carolina and Mississippi, where 20 people were killed and several homes were destroyed or damaged. The Property Casualty Insurers Association of America (PCI) says the first step to recovery is contacting your insurer to begin the claims process. 

“Our thoughts are with those who have been impacted from these severe storms,” said Logan McFaddin, PCI’s regional manager of state government relations. “Homeowners should first contact their insurance company or agent through their toll-free phone number, app or website to begin filing a claim.  Insurers plan for catastrophes and are prepared to assist homeowners immediately.  Company adjustors are now in the field helping homeowners and renters begin rebuilding in the impacted areas.”

Most severe weather related events like hail and tornados are covered under either a homeowners, renters or commercial insurance policy.  Renters insurance covers a policyholders’ personal possessions damaged by tornados.  Windstorm and hail damage for cars is covered by the comprehensive coverage in an auto insurance policy. 

PCI’s Tornado Recovery Tips:

  • Secure property from further damage or theft.
  • Contact your insurance agent or company representative as soon as possible to report damage.
  • Inventory losses and photograph damage to provide to your insurance adjustor. Save receipts.
  • If you are a business owner, keep detailed records of business activity that is negatively affected due to the tornado or storm and keep a list of extra expenses during the interruption. Prepare records to show the income from the business before and after the loss.
  • Many standard homeowners’ and renters’ policies provide reimbursement of additional living expenses when the property is determined to be uninhabitable due to damage. This provision helps with paying for increases to necessary living expenses such as temporary housing and restaurant meals. In addition, extra expenses such as overnight parking and laundry services may also be covered. Additional living expense coverage does not pay for all living expenses, so contact your insurance company or agent for a list of what your policy will cover.
  • Be careful about unscrupulous contractors following a natural disaster. Contact your insurer, agent or local business bureau for references on potential contractors and ask for certificates of liability and workers compensation before signing contracts.

PCI's Tornado Headquarters offers vital information for those impacted by tornadoes, as well as preparedness tips for those living in tornado-prone areas. Follow us on twitter @PCIAA and use #tornadosafety as we continue to provide tips on what to do before and after a tornado.

Here’s a list of PCI Member Company Toll-Free Policyholder Claim Numbers:  http://bit.ly/PCITollFreeNumbers  

PCI’s Online Tornado Recovery Magazine:http://bit.ly/TornadoGuide

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.

Subscribe

Media

Media

Quick facts

Be careful about unscrupulous contractors following a natural disaster.
Tweet this
Most severe weather related events like hail and tornados are covered under either a homeowners, renters or commercial insurance policy.
Tweet this

Quotes

“Our thoughts are with those who have been impacted from these severe storms. Homeowners should first contact their insurance company or agent through their toll-free phone number, app or website to begin filing a claim. Insurers plan for catastrophes and are prepared to assist homeowners immediately. Company adjustors are now in the field helping homeowners and renters begin rebuilding in the impacted areas.
Logan McFaddin