After the Storm
The days following a natural disaster can be overwhelming
and stressful. It can also be confusing
when it comes time to report a claim for property damage. Here are some tips:
- Contact your insurance company as soon as
possible. Follow the instructions given
by your insurer and keep record of the people you spoke with. Records should include date, name and title.
- Save all your receipts. Be sure to give your insurance company all
the information they need or your claim may be delayed.
- Take photographs/video before clean up or
- After you’ve documented the damage, make the
repairs necessary to prevent further damage.
DO NOT make any permanent repairs before the insurance company is able
to inspect the damage and your insurance carrier approves the repairs.
- Always ask questions if you don’t understand.
- Don’t rush to a settlement. If possible, determine what it will cost to
repair your property before you meet with a representative of your insurance
company who will assess the damage to your property. If you and your insurance company disagree on
the offer made to repair your property be prepared to negotiate if
- If your claim is denied, review the terms of
your policy for what is or is not covered.
You may also file an appeal to your insurance company’s claim
manager. If questions remain, you should
contact the Insurance Department, Bureau of Consumer Services.
Natural disasters can be a magnet for dishonest
contractors. Be wary of anyone who
knocks at your door and offers (or solicits) to do your home repairs. Take these steps to protect yourself:
- If an individual presents himself as a public
adjuster, ask for his licensing information.
A public adjuster is a professional claims handler who is licensed and
regulated by the state. The public
adjuster is employed by the policy holder to assist with the claims process.
- You can verify a licensed public adjuster by
visiting our website at www.insurance.pa.gov. Once on our site, click “Consumers” on the
top bar and select “Find Insurance Professional.” If you suspect anyone or any entity is
operating as a public adjuster without a license, you may report the activity
by calling the Pennsylvania Insurance Department, Anti-Fraud Compliance
Division at 717-705-4199.
- Be sure you are working with a reputable,
dependable contractor. Home-improvement
contractors that do more than $5000 of business per year in Pennsylvania must
register with the Attorney General’s Bureau of Consumer Protection. Ask the contractor for their Home Improvement
Contractor (HIC) number and verify the contractor is registered by calling the
Office of Attorney General, Home Improvement Registration hotline at
1-888-520-6680. You can also check with the Better Business Bureau. A contractor claiming to be representing you
on your claim, cannot do so without being licensed as a public adjuster.
- Investigate any firm you are thinking of hiring
and get more than one estimate for your repairs.
- Check references, licensure and get everything
in writing. This includes: the total cost for repairs, the work to be
completed, the timetable for completion and any guarantees the contractor may
- Don’t sign paperwork with sections left
blank. Someone can fill in information
after you sign the paperwork.
- Don’t pay a contractor in full or sign that the
work is complete until the work is actually completed.
- Be cautious of contractors with work vans/trucks
that have out-of-state license plates and/or lack signs or insignias
identifying the company name.
Whether you have a general question or want to file a
complaint, you can get help at Consumer Services online at www.insurance.pa.gov or you can contact
us at 1-877-881-6388
What about flood insurance?
Information on flood insurance coverage, how to buy flood insurance, and filing claims can be found on our Flood Insurance