PCI Offers Post-Flood Tips For Illinois, Iowa and Wisconsin Residents
CHICAGO—The Property Casualty Insurers Association of
America (PCI) is offering the following tips to help Illinois, Iowa and Wisconsin
residents who have suffered flooding in recent days.
There are certain things you can do to salvage property and
minimize further damage:
- Keep all receipts for anything you buy for that purpose so you can submit them to your insurance company later.
- Report all damage to your
insurance company or agent as soon as you can in order to settle your claim
more quickly and accurately.
- Make a list of damaged items. If
possible, put together a set of records, such as receipts, bills and
photographs, to establish the age of everything that needs to be replaced or
- Identify structural damage to your
home and make a list of everything you want to show the adjuster.
- Don't throw out damaged furniture
or other expensive items. The adjuster will want to see them. It also is a good
idea to take photographs of the damage before you start cleaning it up.
- Shovel or scrape the mud off your
floors, furniture and walls before the mud dries. Then hose down the walls with
clean water, starting from the ceiling.
- Major appliances, such as
refrigerators and stoves, can be washed and dried completely. In most cases,
they will not be damaged unless they were operating at the time the water
- Diluted chlorine bleach can be
used to clean household items, appliances, walls and floors. This also will
help control odors.
- Wood furniture should be dried
outdoors, but not in direct sunlight. Remove drawers and other moving parts
before they dry.
- A flooded basement should be
pumped gradually to prevent structural damage. Pump out about a third of the
water per day.
- Food utensils and equipment should
be washed thoroughly and sterilized before you use them. Any food that is open
and exposed to flood waters should be discarded.
- Use public water only after it has
been declared safe by an authorized official.
Additionally, the Federal
Emergency Management Agency can be contacted at 800-621-3362 or www.fema.gov, and consumers who have flood insurance policies
through the National Flood Insurance Program (NFIP) can contact either their
flood insurance agent or the NFIP itself at 800-427-4661 or www.floodsmart.gov.
PCI is composed of more than 1,000 member companies, representing the broadest
cross-section of insurers of any national trade association. PCI members write
over $180 billion in annual premium, 37.4 percent of the nation’s property
casualty insurance. Member companies write 44 percent of the U.S. automobile insurance market, 30.7 percent of the homeowners market, 35.1
percent of the commercial property and liability market, and 41.7 percent of
the private workers compensation market.