Tips offered on filing storm damage claims - Cincinnati News, Weather, Sports from FOX19 NOW-WXIX

Tips offered on filing storm damage claims

HARTFORD, CT (WFSB) -

The Connecticut Insurance Department is offering advice on filing claims after damage was caused by Sandy.

Consumers should follow the following tips when making a claim:

  • Contact your insurer as soon as possible.
  • Take photos of the damage.
  • Do not make permanent repairs until your insurer has inspected the property.
  • Keep a diary of all contact, conversations with your insurer.
  • If you can still live in the home, talk with your agent about critical repairs that need to be made. Whether you make the repairs or hire someone, save the receipts for your claim.
  • If you need to find other lodging, keep records of expenses and all receipts. Homeowners and renter's insurance generally provide limited coverage for expenses like: meals, rent, utility installation and transportation.
  • Your carrier will send an insurance adjuster to survey the damage at no cost to you. Public adjusters may offer the same services, but you would be responsible for any related fees. Check to be sure they are licensed with the Insurance Department.
  • Do not feel rushed or pushed to agree on a settlement. If there are disagreements, try to resolve them with your insurer. If you cannot reach an agreement, the Connecticut Insurance Department can help you decide if arbitration or mediation is an option.
  • Your full claim may come in multiple payments. The first will likely be an emergency advance and may include additional living expenses. The payment for your personal property and any additional living expenses will be made out to you. Payments for the structure may be payable to you and your lien holder if there is a mortgage on your home.
  • Even after settling your claim, if you think of items that were not in your initial loss list, contact your insurance company. Unless the company has paid the entire limit for the coverage of those types of items, it is possible the company will make an additional payment.
  • If your damages exceed the amount of your coverage, federal agencies will occasionally provide grants or low-interest loans to assist with recovery following major disasters.

"Should any problems arise between you and your carrier, contact the Insurance Department," said Connecticut Insurance Commissioner Thomas Leonardi. "We are here to help you work through the process and will ensure that carriers comply with all state insurance laws."

For more information, visit the Connecticut Insurance Department website or call 860-297-3800.

Copyright 2012 WFSB (Meredith Corporation). All rights reserved.

  • FOX19 HeadlinesMore>>

  • 'He deeply loved the daughter he killed.' Man plowed into restaurant, killing family members

    'He deeply loved the daughter he killed.' Man plowed into restaurant, killing family members

    Monday, May 21 2018 1:06 PM EDT2018-05-21 17:06:01 GMT

    Sources say the man came into the restaurant with his family, got up and left, then drove his car into the building.

    Full Story >

    Sources say the man came into the restaurant with his family, got up and left, then drove his car into the building.

    Full Story >
  • In North Korea nuke site closure, spectacle trumps substance

    In North Korea nuke site closure, spectacle trumps substance

    Sunday, May 20 2018 9:11 PM EDT2018-05-21 01:11:45 GMT
    Monday, May 21 2018 1:02 PM EDT2018-05-21 17:02:34 GMT
    In this April 27, 2018, photo, North Korean leader Kim Jong Un, left, and South Korean President Moon Jae-in shake hands after signing a joint statement at the village of Panmunjom in the Demilitarized Zone, South Korea. (Korea Summit Press Pool via AP)In this April 27, 2018, photo, North Korean leader Kim Jong Un, left, and South Korean President Moon Jae-in shake hands after signing a joint statement at the village of Panmunjom in the Demilitarized Zone, South Korea. (Korea Summit Press Pool via AP)

    The closure is a milestone, marking an end to the world's last active underground testing site and offering some important insights into Kim's mindset as he sets the stage for his meeting with Trump.

    Full Story >

    The closure is a milestone, marking an end to the world's last active underground testing site and offering some important insights into Kim's mindset as he sets the stage for his meeting with Trump.

    Full Story >
  • Trump pulls back from brink of trade war with China

    Trump pulls back from brink of trade war with China

    Monday, May 21 2018 1:11 AM EDT2018-05-21 05:11:48 GMT
    Monday, May 21 2018 1:02 PM EDT2018-05-21 17:02:18 GMT
    (AP Photo/Jae C. Hong, File). FILE - In this April 30, 2018, file photo, Treasury Secretary Steven Mnuchin speaks during a discussion at the Milken Institute Global Conference, in Beverly Hills, Calif. Mnuchin said Sunday, May 20, that the United State...(AP Photo/Jae C. Hong, File). FILE - In this April 30, 2018, file photo, Treasury Secretary Steven Mnuchin speaks during a discussion at the Milken Institute Global Conference, in Beverly Hills, Calif. Mnuchin said Sunday, May 20, that the United State...

    After high-level talks, Beijing agreed in a joint statement with the U.S. to "substantially reduce" America's trade deficit with China but did not commit to cut the gap by any specific amount. 

    Full Story >

    After high-level talks, Beijing agreed in a joint statement with the U.S. to "substantially reduce" America's trade deficit with China but did not commit to cut the gap by any specific amount. 

    Full Story >
Powered by Frankly
<div id="CDEV-footer"> <div class="top"> <div class="search-box"> <div class="wnSearchBox" id="WNSearchBox-bottom"><form method="get" onsubmit="return wnValidateSearchTerm(this,0)" action="/Global/searchresults.asp"><span>Can't Find Something? </span><input type="text" class="wnQueryText" name="qu" size="20" value="" placeholder="Search For It Here"><input type="submit" class="wnSubmit" value="Search"></form></div> </div> <div class="station-info"> <div class="logo"><img src="http://ftpcontent.worldnow.com/wncustom/custom/wxix/2015/images/wxix-footer-logo.png" width="103" height="98" border="0" /></div> <div class="contact"> <div>635 West Seventh Street<br>Cincinnati, Ohio 45203</div> <div>(513) 421-1919</div> </div> <div class="fcc"> <div><a href="https://publicfiles.fcc.gov/tv-profile/wxix-tv">FCC Public File</a></div> <a href="mailto:publicfile@fox19.com">publicfile@fox19.com</a> <div>(334) 206-1400</div> <a href="/story/14388421/2012-eeo-public-file-report">EEO Report</a> <a href="/story/12032269/closed-captioning-problems">Closed Captioning</a> </div> </div> </div> <div class="footer-main-nav"> <ul class="link-group"> <!--<li><a href="#">News Now Link</a></li> <li><a href="#">News Now Link</a></li> <li><a href="#">News Now Link</a></li> <li><a href="#">News Now Link</a></li>--> </ul> </div> <div class="news-link"> <ul class="link-group"> <li><a href="http://www.ktre.com/category/241993/texas-news-now">Texas News Now</a></li> </ul> </div> <div class="bottom"> <div class="copyrightText"> <a id="wnLogo" href="http://www.worldnow.com"><img src="http://ftpcontent.worldnow.com/wncorp/logos/worldnow_white.png" id="wn"></a> <div class="text"> All content &copy; Copyright 2000 - 2018 Raycom Media. All Rights Reserved. For more information on this site, please read our <a href="/story/8774923/privacy-policy">Privacy Policy</a>, and <a href="/story/8775106/terms-of-service">Terms of Service</a>, and <a class="adchoice" href="//www.aboutads.info/choices" target="policy">Ad Choices</a>. </div> <div class="clear"></div> </div> </div> </div>