Storm Damage FAQs

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Storm Damage Claims and Recovery: Tips to Know about Your Insurance

The insurance industry is built on preventing disasters and assisting people in responding to them when they do occur. We recognize during these trying times that our industry helps with lives and livelihoods, and we have consolidated tips and frequently asked questions to help affected home owners, agents, and other property owners who should take immediate steps to begin recovering their losses.

An important point to remember is that your flood damage claims will likely be handled by one insurance company (assuming you have this important coverage) and your wind damage losses will be handled by another insurance company.

IRMI offers a host of insurance tips that individuals, corporations, and small-business owners affected by these storms can use. The following are some frequently asked questions about property and auto insurance matters to consider.

  • When should I contact my insurance agent or insurance company about my property damage?

  • I can't remember whether I have flood insurance. How do I find out for sure?

  • Does my personal or commercial auto policy cover flood and wind losses to my vehicles?

  • What about my additional living expenses or business interruption expenses?

  • What if I am dissatisfied with the claims process? What are my options?

  • How do I go about finding a reputable contractor to repair or rebuild my home or small business?

  • Does IRMI have discussions related to claims and claim filing tips?