American Property Casualty Insurance Association
  • Staff Contact: Nicole Mahrt-Ganley     
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  • June 5, 2015
  • Insurance Recovery Tips for Colorado Homeowners Impacted by Tornados and Hail

    Denver, CO – Late spring tornados and hail battered several areas in Colorado leaving dozens of homes in Berthoud, Colorado damaged. The Property Casualty Insurers Association of America (PCI) says the first step to recovery is contacting your insurer to begin the claims process. 

    “Homeowners should contact their insurance company or agent through the toll free phone number, app or website.  Insurers plan for catastrophes and are prepared to assist homeowners immediately,” said Kelly Campbell, PCI vice president, state government relations.  “Company adjustors will move into the area quickly to help homeowners and renters begin rebuilding.”

    Most severe weather related events like hail and a tornados are covered under either a homeowners, renters or commercial insurance policy.  Renters insurance covers a policy holder’s personal possessions damaged by tornados.  Windstorm and hail damage for cars is covered by the comprehensive coverage in an auto insurance policy. 

    Tornado Infographic

    Click here to access Insurers Toll Free Contact Numbers:

    Insurance agent or company

    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 or storm and keep a list of extra expenses during the interruption. Prepare records to show the income from the business before and after the loss.

    • Many standard homeowners and renter’s policies provide reimbursement of additional living expenses when the property is determined to be uninhabitable due to damage. This provision helps with 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.

    Continue to follow @PCIAA use #becovered where we will offer important recovery and severe weather tips.

  • 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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