PCI Offers Insurance Advice for West Virginia Flood Victims

CHICAGO – As the flood waters in West Virginia recede the Property Casualty Insurers Association of America (PCI) encourages residents to follow the orders of local authorities and as you are able to access your property, contact the National Flood Insurance Program, or your insurance agent or company to get the claims process started.  

“The heavy rain and historic flooding on Thursday and Friday was devastating and our thoughts are with those who were impacted,” said Jeffrey Junkas, assistant vice president state government relations for PCI. “Insurers are available to answer questions and help families and business begin the recovery process. Claims adjusters are prepared and as emergency officials provide access to impacted areas, they will work with residents to file claims.”

Flood damage is typically covered through the National Flood Insurance Program policy rather than homeowners insurance. It is important to work closely with the adjuster and complete the necessary paperwork within the allotted time frame. As a claim is filed, there are a number of things residents can do such as photograph the damage and make an inventory of what was lost and damaged to help expedite the recovery process.

“However, cars, trucks and other vehicles damaged by flood water may be covered under an automobile insurance policy’s comprehensive coverage,” said Junkas. “Contact your insurance company or agent to discuss what is covered by your policy.”   

Tips If You Experienced a Loss:

Residents with flood insurance policies through the National Flood Insurance Program (NFIP) can contact either the flood insurance agent or the NFIP directly at (888) 379-9531 or www.floodsmart.gov .

  • Immediately contact your insurance agent or company representative.
  • Inspect property and cars for damage.
  • Inventory losses and photograph damage, and save related receipts to assist with claims handling.
  • Secure property from further damage or theft.
  • Check the background and legitimacy of repair contractors. Ask your insurance company for assistance in locating a reputable contractor.
  • Keep detailed records of business activity and extra expenses during the interruption period, and prepare records to show the income from the business both before and after the loss.

PCI will continue to conversation on twitter @PCIAA and use #FloodSafety where we will share important tips and stories throughout the year.

For more information visit PCI’s Flooding Headquarters .

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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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Quick facts

Flood damage is typically covered through the National Flood Insurance Program policy rather than homeowners insurance.
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Check the background and legitimacy of repair contractors. Ask your insurance company for assistance in locating a reputable contractor
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Inventory losses and photograph damage, and save related receipts to assist with claims handling
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Quotes

Insurers are available to answer questions and help families and business begin the recovery process. Claims adjusters are prepared and as emergency officials provide access to impacted areas, they will work with residents to file claims.
Jeffrey Junkas