Insurance coverage Division Offers Info for Householders, Enterprise House owners to File Harm Claims Following Robust Storms and Flooding – Pennsylvania PressroomAugust 17, 2022
Harrisburg, PA – Following the sturdy storms, tornadoes, and historic flooding within the commonwealth, Insurance coverage Commissioner Jessica Altman at this time supplied info to dwelling and enterprise house owners to assist them file insurance coverage claims for damages, and tricks to keep away from restore scams.
Property and enterprise house owners ought to get acquainted with their insurance policies or discuss with a consultant from their insurance coverage firm to establish what their coverage covers and would not cowl. Policyholders must also discover out what their coverage deductible is, and any greenback limits on the quantity of injury the coverage will cowl.
The division additionally needs to remind owners that flood injury will not be coated by most householders’ insurance coverage insurance policies, and a separate flood insurance coverage coverage is required to pay for injury attributable to flooding.
"Experiencing important dwelling, property and enterprise injury from a storm might be extremely troublesome, however we would like Pennsylvanians to know there are sources accessible to assist them by way of the method," Commissioner Altman mentioned.
The Insurance coverage Division has brochures for owners and enterprise house owners with vital info on how one can file claims for storm injury. These brochures embrace key recommendations on what info you’ll want to file an insurance coverage declare for storm injury, in addition to what inquiries to ask and what to search for to identify a attainable restore rip-off.
The After the Storm brochure consists of ideas comparable to:
Storms that trigger injury to quite a few properties and companies all through a neighborhood is usually a magnet for dishonest contractors. The After the Storm brochure additionally supplies a number of ideas for shoppers on how one can keep away from dwelling restore scams, together with:
Commissioner Altman additionally suggested shoppers to be cautious of contractors with work vans or vehicles which have out-of-state license plates or lack indicators or insignias figuring out the corporate title.
"Repairing a house or enterprise after storm injury might be difficult, however following the following tips may also help Pennsylvanians file claims and reduce their possibilities of being scammed," mentioned Commissioner Altman. "As well as, property and enterprise house owners ought to evaluation their insurance coverage insurance policies yearly to verify they’ve the suitable protection."
Customers with questions or wishing to file a grievance can contact the Insurance coverage Division’s Shopper Companies Bureau, or by calling 1-877-881-6388. The division additionally has a devoted Flood Insurance coverage web page for Pennsylvanians searching for extra info.