by State Representative Ben McGorty, 122nd District
If you suffered any losses due to Tropical Storm Henri this week, time is of the essence to ensuring your insurance claim is filed and processed swiftly.
The Insurance Commissioner is encouraging residents who experienced damage from the storm to:
- Take photos of the damage and remove personal property if your home cannot be secured.
- Do not dispose of property until an insurance adjuster has reviewed it for your claim.
- Call the company or visit a mobile claims center to start your claim.
If you need help locating your company or agent, contact the Connecticut Insurance Department at 800-203-3447 or online.
If your car is damaged while in your garage/carport, it is covered by your automobile policy—not your homeowners policy. If you are insured by two separate companies for these coverages you must file a claim with both companies.
If you can still live in the home, talk with your agent about critical repairs that need to be made. Whether you make the repairs or hire someone, save the receipts for your claim.
If you need to find other lodging, keep records of expenses and all receipts.
Homeowners and renter’s insurance generally provide limited coverage for expenses like meals, rent, utility installation and transportation.
Reporting Your Claim
Most insurance companies have a time requirement for filing a claim. The process will go faster if you can locate a copy of your policy and home inventory.
Call the company or visit a mobile claims center to start your claim.
You will be asked to list all items destroyed, damaged or missing. If you do not have a home inventory, begin making a list of items going room by room from memory and include as much detail as possible.
If you have difficulty reaching your insurer, have a claim dispute or have questions on any insurance-related topic you can reach me by:
Phone (800) 203-3447 or (860) 297-3900
Or online: firstname.lastname@example.org