AUSTIN, Texas — With heavy rain expected to accompany the tropical system approaching the Texas and Louisiana coast, the Property Casualty Insurers Association of America (PCI) encourages residents in the area to listen to emergency officials and take precautionary actions.
“Taking a few simple steps now to prepare your property could save you time and money in the recovery process,” said Joe Woods, PCI’s vice president of state government relations. “Torrential downpours can produce dangerous flooding, so if your home is near water or in a low-lying area, make sure you are prepared to seek higher ground. We also encourage policyholders to create an inventory of the contents in their home or business. These items can easily be videoed or documented with a smart phone.”
Proper precautionary measures should also include making sure you have your agent or insurance company’s contact information readily available and checking to see if you flood insurance.
“You will want to have your agent or insurance company’s phone number handy should your home, business or automobile be damaged, said Woods. “However, this is the time, before the storm hits, for residents to check with their insurer to see if they have flood insurance, since flood damage is not covered by the standard homeowners policy and there is a 30-day waiting period before flood coverage goes into effect. If you do not have flood insurance, additional coverage can be purchased through the National Insurance Program.”
Prepare your Property
PCI Flooding Tips:
Recovering from flooding is always a challenging task but there are resources available to help consumers. The Federal Emergency Management Agency can be contacted at 800-621-3362 or www.fema.gov and consumers who have flood insurance policies through the National Flood Insurance Program (NFIP) can contact either their flood insurance agent or the NFIP itself at (888) 379-9531 or www.floodsmart.gov.
The Property Casualty Insurers Association of America (PCI) member company Toll-Free Policyholder Claim Phone Numbers.
The Federal Emergency Management Agency (FEMA) can be contacted at 800-621-3362 or www.fema.gov