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Hurricane Sandy Assistance: Tips for Insurance Claims

Friday November 02, 2012

Things to Know…
 
Most homeowner insurance policies do NOT cover damage from flooding; however, flood damage 
may be covered by separate flood insurance policies.
 
Most homeowner policies DO provide coverage for damage resulting from wind.
 
Damage from fallen trees is typically covered and tree removal may also be covered.
 
Some homeowner insurance policies have higher deductibles for hurricane damage. Note that Irene was downgraded to a tropical storm before hitting New York, so hurricane deductibles may not apply.
 
Tips for Filing a Claim…
 
Contact your insurance company representative as soon as possible.
 
Carefully document and take photographs/video of any and all damage.
 
Temporary or Immediate Repairs…
 
You may make temporary or immediate repairs to prevent further damage. 
 
Save all receipts for any expenses incurred in making repairs. 
 
Do NOT make permanent repairs before contacting your insurance company.
 
Check with the Better Business Bureau to check on contractors who may assist you with repairs.
 
Who to Contact…
 
For emergencies call 911. For urgent needs or disaster assistance information, contact your county Emergency Operations Center. (Call Rep. Hayworth for phone numbers in your area.)
 
If you have specific questions about your policy, contact your insurance company. A list of insurance company phone numbers is available at the following link: http://www.iii.org/articles/insurance-company-claims-filing-telephone-numbers.html. If you need further help or feel you are being treated unfairly, contact the New York Department of Insurance Disaster Hotline at 1-800-339-1759.
 
If you are in an area that is eligible for Individual Assistance under the federal Major Disaster Declaration, register immediately with FEMA at www.disasterassistance.gov or 1-800-621-3362.
 
If you have any questions, you can contact:

New York Insurance Association
130 Washington Avenue
Albany, NY 12210
(518) 432-4227