American Property Casualty Insurance Association
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Brooke Kelley-Hunt







September 3, 2014

PCI Remembers Hurricane Frances

Tenth Anniversary Highlights Importance of Coastal Residents Staying Prepared

TALLAHASSEE, Fla. – The Property Casualty Insurers Association of America (PCI) is remembering the significant impacts from Hurricane Frances and is urging residents in hurricane prone states to be ready for the most active weeks of hurricane season.

Frances passed across the state of Florida, just three weeks after Hurricane Charley during the traditionally busy Labor Day weekend. Frances was a slow moving storm that soaked the southeast and produced significant flooding. As we reflect 10 years later, the storm serves as a good reminder of the serious impacts of one storm on several states and the threat of freshwater flooding. According to the National Oceanic and Atmospheric Administration (NOAA) the threat of freshwater flooding from a hurricane is a huge threat to not only property, but loss of life. According to NOAA 60 percent of U.S hurricane deaths from 1970 -1999 occurred in inland counties, and more than half related to freshwater flooding.

“We are entering the most active weeks of hurricane season and it is important to stay vigilant, prepared and ready to act,” said PCI’s State Government Relations Counsel, Donovan Brown. “The experience of Frances and other storms highlight that it’s also important to recognize the potential threats around your home. If you live in an area that could flood, make sure you have the appropriate coverage and consider purchasing flood insurance. Anticipate that it may take 30 days from the date of purchase for flood coverage to go into effect. Policyholders should speak with a claim adjuster before signing any documents to begin repair work with a contractor. Read the contractor’s proposal carefully. Make sure you are not assigning the benefits under your policy to a third party.” 

According to the National Flood Insurance Program (NFIP), since 1978, the NFIP has paid more than $48.1 billion for flood insurance claims and related costs. Only a few inches of water can costs thousands of dollars in damage, that’s why PCI is urging residents to determine if they are in an area that could potentially flood.

Flood insurance is available through the National Flood Insurance Program (NFIP) or call 800-427-4661.

PCI Flooding Tips

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 and accurately.

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 to show to the adjuster.

Don't throw out damaged furniture or other expensive items. The adjuster will want to see them. It also is a good idea to take photographs of the damage before you start cleaning it up.

For more flood safety tips follow PCI on twitter @PCIAA #floodsafety

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.


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