PCI Provides Storm Checklist & Tips for Floridians
Tallahassee, Fla. — Severe weather continues to move across Florida, bringing strong winds, heavy rain, and potential flooding to portions of the state. Just two weeks into the 2018 Hurricane Season, the Property Casualty Insurers Association of America (PCI) urges Floridians to take precautionary measures and prepare now for storms that may develop in the tropics.
“We strongly urge Floridians to start taking proper precautionary measures now to prepare your families, homes, automobiles and businesses in the event a major storm heads our way,” said Logan McFaddin, PCI’s regional manager.
“Dangerous flooding caused by heavy rain and torrential downpours in low-lying areas is a serious concern,” continued McFaddin. “Should your home, business, or vehicle have any damages due to weather events, take photos and videos of the damage, and don’t forget to save your receipts to help with the claims process.”
“Have your agent or insurance company’s contact information readily available – put it in your phone or store it in a safe place. Check to see if you have flood insurance, since it is not covered under the standard homeowners policy and there is a 30-day wait period before it goes into effect. If you do not have flood insurance, additional coverage can be purchased through the National Flood Insurance Program,” concluded McFaddin.
Review your property insurance policy, especially the “declarations” page, and check whether your policy pays replacement costs, or actual cash value for a covered loss.
Inventory your household items, and photograph or videotape them for further documentation. Keep this information and your insurance policies in a safe place.
Keep the name, address and claims-reporting telephone number of your insurer and agent in a safe and easily accessible place.
Protect your property by covering all windows with plywood or shutters, moving vehicles into the garage when possible and placing grills and patio furniture indoors.
Keep all receipts for any repairs so your insurance company can reimburse you.
Check with your insurance adjuster for referrals to professional restoration, cleaning and salvage companies if additional assistance is needed.
In the Event Flooding Occurs:
Call your insurance company or agent first before signing any documents with a third-party vendor.
Shovel or scrape mud off walls, floors and furniture, then hose from the ceiling down before the mud dries.
To prevent mold and odors, clean walls and floors with diluted chlorine bleach.
Electricity and water make for a dangerous combination. Take the proper precautions to avoid electric shock.
Use public water only after it has been declared safe by an authorized official.
The Federal Emergency Management Agency can be contacted at 800-621-3362 or www.fema.gov.
Consumers who have flood insurance policies through the National Flood Insurance Program (NFIP) can contact either their flood insurance agent or the NFIP at (888) 379-9531 or www.floodsmart.gov.