Powerful Flooding Causes Damage in North Carolina; Insurers Offer Storm Recovery Advice

RALEIGH – With heavy rain from Subtropical Storm Alberto continuing to move up the east coast, the Property Casualty Insurers Association of America (PCI) encourages residents in the area to listen to emergency officials and take precautionary actions.

“Torrential downpours can produce dangerous flooding, so if your home is near water or in a low-lying area, make sure you are prepared to seek higher ground,” said Nancy Egan PCI’s regional manager. “We also encourage policyholders to take photos and videos of damaged items, and save your receipts to help with the claims process. With hurricane season just weeks away, it’s important to start thinking about taking steps to prepare your property, which could save you time and money in the recovery process.”

Proper precautionary measures should also include making sure you have your agent or insurance company’s contact information readily available and checking to see if you flood insurance.

“You will want to have your agent or insurance company’s phone number handy should your home, business, or automobile be damaged, said Egan. “With the potential for even more rain this weekend, policyholders should check with their insurer to see if they have flood insurance, since flood damage is not covered by the standard homeowners policy and there is a 30-day waiting period before flood coverage goes into effect.”

Prepare your Property

  • 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.
  • Protect your property by covering all windows with plywood or shutters, moving vehicles into the garage when possible and placing grills and patio furniture indoors.
  • 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.

PCI Flooding Tips:

  • Shovel or scrape mud off walls, floors and furniture, then hose from the ceiling down before the mud dries.
  • To prevent mold and odors, clean walls and floors with diluted chlorine bleach.
  • Electricity and water make for a dangerous combination. Take the proper precautions to avoid electric shock.
  • Dry wood furniture outdoors away from direct sunlight.
  • Use public water only after it has been declared safe by an authorized official.

Recovering from flooding is always a challenging task but there are resources available to help consumers. The Federal Emergency Management Agency can be contacted at 800-621-3362 or www.fema.gov and consumers who have flood insurance policies through the National Flood Insurance Program (NFIP) can contact either their flood insurance agent or the NFIP itself at (888) 379-9531 or www.floodsmart.gov.

The Property Casualty Insurers Association of America (PCI) member company Toll-Free Policyholder Claim Phone Numbers.

The Federal Emergency Management Agency (FEMA) can be contacted at 800-621-3362 or www.fema.gov   

2018 Hurricane Season Resources:

Online Magazine: http://bit.ly/HurricanePrep2018  

2018 Insurance Checklist: http://bit.ly/InsuranceChecklist18  

2018 Hurricane Fact Sheet: http://bit.ly/HurricaneFacts18  

2018 Insurance Claim Tips: http://bit.ly/InsuranceClaimTips  

Replacement Cost vs. Actual Cash Value: http://bit.ly/replacementvscashvalue  

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.