American Insurance Association issued the following announcement on July 23.
Tropical Storm Hanna is expected to bring heavy rain, potential flash flooding and tropical storm force winds to the Texas coast starting tomorrow. The American Property Casualty Insurance Association (APCIA) urges residents to conduct last-minute preparations and be ready to file a claim if their property is damaged.
“Residents along the Texas coast should make a home inventory, gather important insurance documents, and have their insurer’s contact information ready in case they need to file a claim,” said Jeff Brewer, vice president, public affairs for APCIA. “Tropical storms can still pack a punch, so it is important to be prepared.”
Residents should prepare the exterior of their home by securing loose items that could become windborne “missiles” and placing grills and patio furniture indoors.
“If your home is damaged, contact your insurer as soon as possible to start the claims process. Insurers are ready to assist customers, even while working remotely due to COVID-19, by processing claims quickly and efficiently,” added Brewer.
After the storm, beware of dishonest contractors who go door-to-door preying on people in need of repairs. Before signing any contracts for repair work, talk to your insurer or local better business bureau for references to be sure you are working with someone who is licensed and reputable.
The heavy rains from Tropical Storm Hanna could lead to flash flooding. Flooding is not covered by a standard homeowners policy. Flood insurance coverage is available through the National Flood Insurance Program or the private market. Flood insurance coverage typically has a 30-day waiting period between the date of purchase and when the actual flood coverage goes into effect. However, water damage to a vehicle is typically covered under an auto policy’s comprehensive insurance coverage.
APCIA offers the following resources:
· Five steps to prepare for hurricanes
Original source can be found here.
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