American Property Casualty Insurance Association
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Brooke Kelley-Hunt







April 28, 2014

PCI Offers Tornado Recovery Information for Residents Impacted by Tornadoes

MAYFLOWER, Ark. - The Property Casualty Insurers Association of America (PCI) is offering storm recovery information for those impacted by the deadly tornados that swept across America’s Heartland over the weekend.

“Our thoughts are with those who lost loved ones as a result of these storms,” said Christopher Hackett, PCI’s director of personal lines policy. “Right now, insurance adjusters are helping residents put their lives back together and begin the process of rebuilding. By working closely with their insurer, policyholders can do a number of things to help expedite the process of recovery.”

Most tornado, windstorm, hail and similar severe weather-related losses are covered by either homeowners, renters, or commercial insurance policies. Tornado losses to a home are covered by the windstorm peril under the homeowners’ insurance policy. Renters insurance also provides coverage to policyholder possessions under this peril. Business owners are covered under their commercial policies. Protection from windstorm or hail damage for cars is covered under the comprehensive portion of the automobile insurance policy.

PCI Tips If You Experience a Loss from a Storm:

• Secure property from further damage or theft.

• Contact your insurance agent or company representative as soon as possible to report damage.

• Inventory losses and photograph damage to provide to your insurance adjustor. Save receipts

• If you are a business owner, keep detailed records of business activity that is negatively affected due to the tornado and keep a list of extra expenses during the interruption. Prepare records to show the income from the business both before and after the loss.

• Many standard homeowners and renter’s policies provide for reimbursement of additional living expenses when the property is determined to be uninhabitable due to damage. This provision helps in paying for increases to necessary living expenses such as temporary housing and restaurant meals. In addition, extra expenses such as overnight parking and laundry services may also be covered. Additional living expense coverage does not pay for all living expenses, so contact your insurance company or agent for a list of what your policy will cover.

• Be careful about unscrupulous contractors following a natural disaster. Contact your insurer, agent or local business bureau for references on potential contractors and ask for certificates of liability and workers compensation before signing contracts

PCI Pre-Storm Tips:

• Conduct a detailed inventory of your possessions including receipts, descriptions and photos of your home's contents.

• Keep your insurance policy and agent information along with other important information with you or in a secure place.

• Keep a cell phone charged and with you for emergencies.

• If you have one, keep a laptop computer close by. Most insurance companies allow claims reports to be submitted via the Internet.

For further information, such as storm-related emergency claims numbers and answers to frequently asked questions, please visit PCI’s Tornado Headquarters:

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.