American Property Casualty Insurance Association
  • Staff Contact: Jeffrey Brewer     
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  • April 10, 2015
  • Insurers Respond to Tornado and Severe Storm Damage in Illinois, Iowa and Missouri
  • CHICAGO - The Property Casualty Insurers Association of America (PCI) is offering recovery information for homeowners, renters and business owners affected by the tornadoes and severe weather that impacted eastern Iowa, northern Illinois and the St. Louis area last night. While it is too early to provide damage assessment figures, insurers are in these areas working with residents to begin the recovery process.

    “Our condolences go out to the residents affected by these severe storms,” said. Christopher Hackett, PCI’s director of personal lines policy. “Insurance adjusters are in the field now, working to help victims of this storm put their lives back together. Once you have filed your claim, there are a number of things you can do to help expedite the recovery process such as photographing the damage and making an inventory of what was lost and damaged.”

    Most tornado, windstorm, hail and similar severe weather-related losses are covered either by, homeowners, renters, commercial, or automobile 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.

    If you experienced a loss from the storms:

    • Immediately contact your insurance agent or company representative

    • Inspect property and cars for damage

    • Inventory losses and photograph damage, and save related receipts to assist with claims handling

    • Secure property from further damage or theft

    • Check the background and legitimacy of repair contractors. Ask your insurance company for assistance in locating a reputable contractor.

    • Keep detailed records of business activity and extra expenses during the interruption period, and prepare records to show the income from the business both before and after the loss.

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

  • PCI promotes and protects the viability of a competitive private insurance market for the benefit of consumers and insurers. PCI is composed of nearly 1,000 member companies, representing the broadest cross section of insurers of any national trade association. PCI members write more than $195 billion in annual premium, 35 percent of the nation's property casualty insurance. Member companies write 42 percent of the U.S. automobile insurance market, 28 percent of the homeowners market, 33 percent of the commercial property and liability market and 35 percent of the private workers compensation market.
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