American Property Casualty Insurance Association
  • Staff Contact: Brooke Kelley     
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  • September 4, 2018
  • Homeowners Should Take Precautions Now as Tropical Storm Gordon Heads Toward Gulf Coast as a Possible Hurricane
  • Baton Rouge, LA— The Property Casualty Insurers Association of America (PCI) today urged homeowners on the Gulf Coast to take precautions now to prepare for Tropical Storm Gordon that is projected to hit the region.

    “PCI encourages Gulf Coast property owners to take precautions to protect themselves and their belongings from direct and indirect impacts from Tropical Storm Gordon and future storms that may develop in the Atlantic,” said Joe Woods, PCI’s vice president.

    This time last year, Hurricanes Irma and Harvey demonstrated how major storms can develop quickly and bring significant flooding and strong winds to coastal communities.

    Woods continued, “Storms like Tropical Storm Gordon can cause significant property damage to homes and businesses. However, insurers and their catastrophe teams are always ready to respond. If your property is damaged, it’s important to contact your insurer or agent as soon as possible so the recovery process can begin.”

    Flooding from storm surge during hurricanes and tropical storms can be especially dangerous for residents along the coast. Flooding is not covered by a standard homeowners policy; however, flood insurance coverage can be purchased through the National Flood Insurance Program or your insurance company.

    “Residents should be aware that there is typically a 30-day waiting period between the date of purchase and when the actual flood coverage goes into effect,” said Woods.

    PCI recommends taking the following precautions:

    • 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.

    • Make sure watercraft are stored in a secure area, like a garage or covered boat dock. A typical homeowner’s policy will cover property damage in limited instances for small watercraft, and separate boat policies will provide broader, more extensive property and liability protection for larger, faster boat, yachts, jet skis and wave runners. Additional information can be found on PCI’s Hurricane Headquarters page.

    Important links:

    Online Magazine:

    2018 Insurance Checklist:

    2018 Hurricane Fact Sheet:

    2018 Insurance Claim Tips:

    Replacement Cost vs. Actual Cash Value:

  • 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 $220 billion in annual premium, 37 percent of the nation's property casualty insurance. Member companies write 44 percent of the U.S. automobile insurance market, 30 percent of the homeowners market, 35 percent of the commercial property and liability market and 37 percent of the private workers compensation market.
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