Severe thunderstorms have damaged a number of homes, cars, and businesses in Ohio in recent weeks. For those who have experienced damage, here are some tips:

  • Be prepared. Review your policy carefully. Make sure you understand what losses are covered. If you’re not sure, ask your agent or an insurance company representative for an explanation. Don’t wait till an event to find out what is and isn’t covered.
  • Survey the damage and notify your insurance company of any losses. Provide your agent with a copy of your home inventory if you have one. Important: Leave a number where you can be contacted if you are not at home.
  • Do not dispose of damaged personal property until an adjuster has had the opportunity to look at it.
  • If it is safe to access the area, take photographs or video to document damaged property.
  • Find your insurance policy and have your policy number handy when you are ready to make your claim.
  • If your business has been damaged and you have business income (interruption) insurance, it covers the profits your business would have earned, based on financial records, had the disaster not occurred. The policy covers additional operating expenses incurred as a result of the disaster, such as extra expense of operating out of a temporary location.
  • Make reasonable and necessary repairs to protect your home and property from further damage. Cover broken windows and holes to keep rain out. Do not make permanent repairs before a claims adjuster inspects the damage. Keep a record of your repair expenses and save all receipts.

If Your Home Is Flooded

  • Homeowners, renters, and dwelling policies do not cover flood damage from rising waters. Some policies cover damage from rain if the rain entered through an opening in the roof or a wall caused by the direct force of wind or hail. The National Flood Insurance Program (NFIP) provides insurance that covers damage from rising waters. You must obtain this coverage separately from a standard homeowners policy.

If Your Automobile Is Flooded

  • If you have comprehensive, “other than collision” coverage, your auto policy will pay for flood damage to your car. If you’re looking to buy a car, beware of flood-damaged vehicles.

The most serious losses will be given priority, but your insurance agent will see that your needs are taken care of.