American Property Casualty Insurance Association
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Jeffrey Brewer







February 20, 2014

PCI offers Flood Tips for Residents in Midwest and East Coast

CHICAGO- While the warmer temperatures might be nice, in some parts of the country it’s causing massive flooding. The Property Casualty Insurers Association of America (PCI) is offering the following tips to help home owners, business owners, and renters who might be experiencing flooding right now, or those who may suffer flooding in the coming days as the temperatures continue to rise and snow melts.

“We generally see this every spring, where the ground is still frozen and the melting snow runs into nearby lakes, streams, and roads causing areas to flood,” said Chris Hackett, PCI’s director of personal lines policy.

“While flood damage is covered by flood insurance, which is bought as a separate policy through the National Flood Insurance Program, PCI reminds citizens that insurers are on hand to answer questions and help families and businesses quickly resolve problems, file claims and begin the process of recovering from these events.”

Flood insurance can be purchased through the National Flood Insurance Program (NFIP) by going to or by calling 800-427-4661 to speak with an agent.

There are certain things you can do to salvage property and minimize further damage:

Keep all receipts for anything you buy for that purpose so you can submit them to your insurance                                                   company later.

Report all damage to your insurance company or agent as soon as you can in order to settle your     claim more quickly

Make a list of damaged items. If possible, put together a set of records, such as receipts, bills and photographs, to establish the age of everything that needs to be replaced or repaired.

Identify structural damage to your home and make a list of everything you want to show the adjuster.

Don't throw out damaged furniture or other expensive items. The adjuster will want to see them.

Shovel or scrape the mud off your 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. This also will help control odors.

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

A flooded basement should be pumped gradually to prevent structural damage. Pump out about a third of the water per day.

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

Use public water only after it has been declared safe by an authorized official.

For more information visit PCI’s Flood Headquarters Page.

PCI is composed of more than 1,000 member companies, representing the broadest cross-section of insurers of any national trade association. PCI members write over $195 billion in annual premium, 39 percent of the nation’s property casualty insurance. Member companies write 46 percent of the U.S. automobile insurance market, 32 percent of the homeowners market, 37 percent of the commercial property and liability market, and 41 percent of the private workers compensation market.