26.08.2017 23:19:00
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Hurricane Harvey Recovery: Six Tips for Filing an Insurance Claim
NEW YORK, Aug. 26, 2017 /PRNewswire-USNewswire/ -- Insurance adjusters and their mobile claim centers have already been deployed and are heading toward the areas of the Texas coastline receiving the brunt of damage from Hurricane Harvey. As soon as local authorities clear the damaged areas for access, insurance company representatives will be on the scene and will start the recovery process for impacted policyholders, said the Insurance Information Institute (I.I.I.).
Whether reporting damage to your property over the phone or through your mobile device, the I.I.I. offers the following tips on how to file an insurance claim:
A Word About Deductibles
Hurricane deductibles exist in every coastal state from Maine to Texas. Unlike a typical homeowners policy deductible of $500 or $1,000, hurricane deductibles usually are listed as a percentage of the property's insured value—generally between 1 percent to 5 percent of the total coverage. In Texas, some homeowners may have multiple deductibles apply if they have multiple insurance policies. For example, some homeowners could have coverage from a private insurer that covers perils like fire but excludes wind coverage—which has one deductible—a separate wind and hail policy with the Texas Windstorm Insurance Association, with a separate deductible and another from the National Flood Insurance Program for flood damage with its own deductible. Check with your insurance professional if you have questions about the specifics of your policy deductibles.
RELATED LINKS
Facts & Statistics: Texas Hurricane Fact File & Market Share
Article: Recovering from a Flood
Infographic: How to File a Flood Claim
The I.I.I. has a full library of educational videos on its You Tube Channel. Information about I.I.I. mobile apps can be found here.
THE I.I.I. IS A NONPROFIT, COMMUNICATIONS ORGANIZATION SUPPORTED BY THE INSURANCE INDUSTRY.
Insurance Information Institute, 110 William Street, New York, NY 10038, (212) 346-5500 www.iii.org
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SOURCE Insurance Information Institute
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