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Insurers Respond Rapidly to Residents, Businesses Hit by Deadly Tornadoes; Claims Filing Process Begins

Eight States Were Struck on Memorial Day After Major Twisters Impacted Missouri and Oklahoma

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New York Office: 212-346-5500; 尘别诲颈补蔼颈颈颈.辞谤驳听 听

NEW YORK, May 28, 2019鈥擴.S. insurers are sending disaster response teams to help victims in the multiple states impacted by yesterday鈥檚 tornadoes, according to the .

The reported a total of 55 tornadoes on Memorial Day in Colorado, Idaho, Illinois, Indiana, Iowa, Minnesota, Nebraska, and Ohio. The latest outbreak occurred days after major tornadoes swept through Jefferson City, Mo. and El Reno, Okla.

Damage caused by tornadoes is covered under听听and听听policies, and under the optional comprehensive portion of an听听policy. Nearly four of every five U.S. drivers (77 percent) purchase comprehensive coverage in addition to liability insurance, based on an I.I.I. analysis of 2016 National Association of 黑料不打烊 Commissioners (NAIC) data.

Consumers who have sustained tornado-caused property damage should:

  • Contact your insurance professional and听.
  • Take photos of any damage.听A photographic record is useful when making an insurance claim.
  • Make temporary repairs听to prevent further loss from rain, wind or looting; these costs are reimbursable under most policies, so save the receipts.
  • Compile a detailed list of all damaged or destroyed personal property.听 Do not throw out damaged property until you meet with an insurance adjuster. If you have a听, it will make the claims-filing process easier.
  • Hold off on signing repair contracts.听Do your due diligence, deal with reputable contractors, and get references. Be sure of payment terms and consult your insurance adjuster before signing any contracts.
  • Check to see if you鈥檙e eligible for additional living expenses (ALE).听Standard homeowners and听听policies pay for the extra charges (e.g., temporary housing, restaurant meals) you incur over and above your customary living expenses if your home is uninhabitable because of an insured loss. Save all related receipts and, if you have vacated your home, make sure your insurer knows how to contact you. 听

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