American Property Casualty Insurance Association
  • Staff Contact: Sarah Revell     
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  • August 5, 2020
  • APCIA Offers Claims Process Guidance for Residents Impacted by Isaias
  • NEW YORK CITY — Tropical Storm Isaias spawned tornadoes and caused extensive damage and flooding throughout the northeast. The American Property Casualty Insurance Association (APCIA) urges residents who experienced damage to contact their insurer as soon as possible to get the claims process started. Insurers are already responding to policyholders and have a variety of virtual solutions in place to keep the claims process safe and efficient during the pandemic.

    “Safety is always the first priority after a storm so residents should follow the directions of local authorities and only return home when it is safe to do so,” said Alison Cooper, vice president of state government relations for APCIA. “If you are evacuated or if your home was damaged, contact your insurer as soon as possible to start the claims process.”

    Insurers can be contacted through their toll-free claims number, app, website, or by text to get the claims process started. Residents should also make an inventory of what was lost or damaged and make temporary repairs, if it is safe to do so, to prevent further damage. If your home is unsafe to live in due to a covered loss, ask your insurer if your policy has an additional living expense provision which can help provide reimbursement for expenses like the cost of hotels and food.

    Many areas impacted by Isaias experienced flood damage, which is not covered under a standard homeowners policy. Property owners with flood damage need to contact their flood insurer to file a flood-related claims. If you have flood damage but do not have flood insurance, federal disaster assistance may be available in the form of grants and loans if a federal disaster is declared. For more information about federal disaster assistance, visit

    Damage associated with wind and other severe weather is typically covered under a standard homeowners, renters or business policy. Water damage to a vehicle is typically covered under an auto policy if the policyholder has chosen to purchase comprehensive physical damage coverage.

    After the storm, watch out for dishonest contractors and third parties who often go door to door preying on homeowners in need of repairs. Before signing any contracts for repair work, talk to your insurer first to make sure the damage is covered. Your insurer can help you find a reputable and licensed contractor, or you can check with your local better business bureau for references. APCIA offers tips for how to avoid contractor fraud and abuse here.

    APCIA offers the following claims and recovery tips:

    Filing a Claim

    · Contact your insurer as soon as possible to report the damage. Have your policy number ready.

    · Photograph or videotape the damage to share with your insurer and keep a copy for your records.

    · Make temporary repairs if it is safe to do so. If there are holes in your roof or your windows are broken, be sure to cover them as quickly as possible to prevent further damage.

    · Save receipts for any materials you purchase to assist with repairs. You may submit them to your insurer for reimbursement.

    · Do not throw away any damaged items until an adjuster visits your home. Keep in mind that due to COVID-19 and social distancing, you may collaborate with an adjuster via a video call instead of an in-person visit.

    · Many standard homeowners and renters policies provide reimbursement of additional living expenses when the property is determined to be uninhabitable due to damage. This provision helps pay for things like temporary housing, restaurant meals, overnight parking and laundry service. Check with your insurer or agent for a list of what your policy will cover.

    Flood Recovery Tips

    · Shovel or scrape mud off floors, furniture, and walls before the mud dries. Then hose down the walls with clean water, starting from the ceiling.

    · Major appliances, such as refrigerators and stoves, can be washed and dried completely. In most cases, they will not be damaged unless they were operating at the time the water covered them.

    · Diluted chlorine bleach can be used to clean household items, appliances, walls, and floors and will help control odors.

    · Wood furniture should be dried outdoors, but not in direct sunlight. Remove drawers and other moving parts before they dry.

    · Food utensils and equipment should be washed thoroughly and sterilized before using. Any food that is open and exposed to flood waters should be discarded.

    Vehicles Damaged by Flood Waters

    · Be cautious about starting a vehicle that has been exposed to flood waters, and if your vehicle is missing report it to the police.

    · If the water got above the floorboards, or the seats are wet, do not try to start the car. The electrical system is the most sensitive to water damage and trying to start the car could cause more damage.

    · Open the hood and check the air filter. If it is wet, do not try to start the car.

    · Report the loss to your auto insurer and protect the car from further damage by covering any broken windows.

    Editor’s note:

    APCIA insurance experts are available for interviews and to answer questions. Contact Sarah Revell for more information at 850-879-1853 or

  • The American Property Casualty Insurance Association (APCIA) is the primary national trade association for home, auto, and business insurers. APCIA promotes and protects the viability of private competition for the benefit of consumers and insurers, with a legacy dating back 150 years. APCIA members represent all sizes, structures, and regions—protecting families, communities, and businesses in the U.S. and across the globe.
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