Insurance tips following storms

If your home was damaged by the severe weather, contact your insurance company or agent to file a claim as soon as possible. These tips will help you make the process go smoother:

1. Keep a list of everyone you talk to at your insurance company.
   Be ready to answer questions about the damage.
2. Make a list of damaged property.
   Take pictures or videos. Don’t throw anything away until your insurance company tells you to do so.
3. Take steps to protect your home from further damage.
   Cover broken windows and holes to keep rain out and prevent vandalism or theft.
4. Try to be there when the insurance company comes to inspect the damage.
   If you can’t stay in your home, leave a note with information on where you can be reached.
5. Ask your agent about additional living expenses.
   If you’re forced out of your home to make repairs, your insurance policy may pay for some of those expenses.
6. Avoid fraud (with the following recommendations):
   • Get written estimates.
   • Get more than one bid
   • Beware of contractors who solicit door to door.
   • Check references and phone numbers.
   • Don’t pay up front.
   • Avoid contractors who offer to waive your deductible or promise a rebate for it.
   • Never sign a contract with blank spaces.

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Teaching Suggestions

• What actions should you take to protect your property before a severe storm and floods?
• Make a checklist of actions that you should take after the storm?  Share the list with other students.

Discussion Questions

1. Under what circumstances is it better not to file a claim?
2. If you file a claim and your insurer rejects it, what are your options?  Who should you turn to for assistance?