TALLAHASSEE, Fla. —Tropical Storm Isaias may bring strong winds and heavy rain to the Florida peninsula and southeast coast this weekend. The American Property Casualty Insurance Association (APCIA) urges residents to closely monitor the track of the storm and prepare their insurance information so they are ready to file a claim if their property is damaged.
“Preparing your insurance information ahead of time can help you get on the road to recovery quickly if your property is damaged,” said Logan McFaddin, assistant vice president of state government relations for APCIA. “Start by making a home inventory, saving your insurer’s contact information to your phone and having your policy ready in case you need to file a claim.”
A standard homeowners policy does not cover flooding, which must be purchased as a separate policy. Water damage to a vehicle is typically covered under an auto policy’s comprehensive insurance coverage.
Tropical storm force winds can pack a punch, so residents also need to prepare the exterior of their home before the storm arrives. “Secure small loose items that could become windborne and place grills and patio furniture indoors,” added McFaddin.
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.
APCIA offers the following resources:
APCIA insurance experts are available for interviews and to answer questions. Contact Sarah Revell for more information at 850-879-1853 or Sarah.Revell@apci.org.