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- Insurers Assist Residents Following Gas Line Explosions in Massachusetts Cities
BOSTON — The Property Casualty Insurers Association of America (PCI) is urging residents who suffered property damage as a result of the gas-line explosions in Andover, Lawrence and North Andover to follow the directions of local authorities and contact their insurer as soon as possible to get the insurance claims process started.
“Our thoughts are with those who were impacted by the explosions and insurers are ready to help families with the recovery process,” said Frank O’Brien, vice president, state government relations for PCI. “Events such as the explosions and fires that occurred are covered by homeowners insurance. The goal of insurers is to help policyholders get back to normal life as soon as possible.”
There are a number of things residents can do to help expedite the recovery process such as photograph the damage and make an inventory of what was lost or damaged. PCI also encourages those who evacuated to save all receipts from hotels and restaurants as they may be eligible for reimbursement from their insurer if their home experienced damage.
- 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.
- Check for safety hazards.
- Many standard homeowners and renters’ policies provide reimbursement of additional living expenses when 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.
- As you seek contractors to make repairs, deal only with reliable, licensed professionals. Get written bids from the contractor, but don’t sign any contracts or give a deposit until you have seen your insurance adjuster.
- 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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