Property Casualty Insurers Association of America Property Casualty Insurers Association of America
  • Staff Contact: Brooke Kelley-Hunt     
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  • FOR RELEASE ON RECEIPT
  • October 5, 2017
  • Florida Insurers Stress Importance of Claims Process in Preparation for Tropical Storm Nate
  • Tallahassee, Fla. — With recovery efforts still underway for Hurricanes Irma and Floridians now preparing for Tropical Storm Nate to hit Florida as early as this weekend, the Property Casualty Insurers Association of America (PCI) offers advice on filing an insurance claim.

    “Following storms, like Irma, we generally get questions about the insurance claims process,” said Logan McFaddin PCI Florida regional manager.  "If you haven’t already, it is important to reach out to your insurance company or agent right away to start the claims process, especially with Tropical Storm Nate now in our sights."

    “Due to the unprecedented back-to-back storms Harvey and then Irma, Floridians may need to exercise additional patience as adjusters are facing an extreme volume of claims," said McFaddin.  "Each claim is unique since the types of homes and their contents differ greatly. As a result, there can be great variation in the length of time for settlement.” 

    Insurers are also working with state and federal disaster-response agencies to help families recover as  quickly as possible. Local and national call centers are available to process claims. In addition, insurers are using the latest technology to allow claims to be reported online or through mobile apps.

    “During the recovery process, Florida consumers, repairers, and insurers have the same goals; a quality repair, and a swift, easy, hassle-free experience. Insurers want their policyholders to be satisfied throughout the entire process, and we would also caution consumers to be careful of any bad actors who are looking to prey on storm victims. These unscrupulous third-party contractors come in all varieties—and can lure in unsuspecting families with deals and offers that seem too good to be true,” concluded McFaddin.

    Top 5 Hurricane Irma Recovery Tips

    • Safety is first priority following emergency officials’ warnings and evacuation guidelines.
    • 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.
    • Keep the name, address, policy number, and claims-reporting telephone number of your insurer and agent in a safe and easily accessible place.
    • Inventory your household items, and photograph or videotape them for further documentation. Keep this information and your insurance policies in a safe place. Keep all receipts from preventative measures and post-storm emergency repairs so your insurance company can reimburse you.
    • Call your insurer as soon as possible if you sustain damage. Check with your insurance adjuster for referrals to professional restoration, cleaning and salvage companies if additional assistance is needed. Photograph or video household items damaged or destroyed in the storm.

    PCI Hurricane 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.
    •  Flood damage is not covered by a standard homeowners policy, and there is a 30-day waiting period before flood coverage goes into effect.
    •  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.
    •  Make sure watercraft are stored in a secure area, like a garage or covered boat dock. A typical homeowners policy will cover property damage in limited instances for small watercraft, and separate boat policies will provide broader, more extensive property and liability protection for larger, faster boats, yachts, jet skis and wave runners.

     

    For information on storm readiness, please refer to:

  • 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 $216 billion in annual premium, 36 percent of the nation's property casualty insurance. Member companies write 43 percent of the U.S. automobile insurance market, 29 percent of the homeowners market, 34 percent of the commercial property and liability market and 36 percent of the private workers compensation market.
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