Insurance Industry Experts Provide Coverage & Claims Information After Damaging Severe Weather in Illinois

CHICAGO - Following the severe weather that caused damage in parts of Illinois, insurers are helping their policyholders begin the claims and recovery process, says the American Property Casualty Insurance Association (APCIA). APCIA urges residents who experienced damage to their home, vehicle, business, or vehicle to contact their insurer as soon as they can safely do so.

"When a devastating weather event strikes, the insurance industry stands ready to help their policyholders recover by quickly and efficiently processing claims and paying for covered losses," said Brooke Kelley, assistant vice president of state government relations at APCIA. "Filing your claim is the first step to recovery. Additionally, policyholders can streamline the claims process by documenting the damage through photos or videos to share with their insurer."

APCIA is answering common questions related to insurance after a disaster to help impacted residents begin the claims and recovery process:

My home was damaged or destroyed. What should I do now?

• Reachout to your insurer or agent as soon as you can safely do so to file a claim. Insurers can be reached 24-7 through their toll-free claims numberor via text, app, or website.
• Secure your property from further damage or theft, if possible.
• Make a list of what was lost or damaged and photograph or video the damage to provide to your insurance adjuster. Compile as many receipts, descriptions, and photos of your home's contents as you can.
• Be aware of unscrupulous contractors or other third parties seeking to involve themselves with the insurance claims and damage repair process following a natural disaster. It is important to carefully consider any proposals from contractors, public adjusters, and lawyers offering to help with the insurance claim and damage repair process. Before signing any contracts, call your insurer first to report the damage and get your claim started.

Is damage to my home, business, and vehicle caused by severe storms and tornadoes covered by insurance?

• Damage associated with severe weather events, like tornadoes, is typically covered under a standard homeowners, renters, or business policy.
• Damage to a vehicle is typically covered if the policyholder's auto policy includes comprehensive insurance coverage.

What if I cannot live in my home due to damage or because it is being repaired?

• Ask your insurer if your policy covers additional living expenses, which can help pay for things like temporary housing, restaurant meals and laundry.
• Keep all receipts for such expenses so you can discuss them with the adjuster.

I have reported my claim; now what should I do?

• Take steps to prevent further damage. However, do not attempt permanent repairs or dispose of any damaged property before an adjuster can see it to assess the extent of your damages. If debris is dangerous, homeowners should carefully document their losses and then dispose of the debris.
• Photograph or video any perishable items and retain all receipts for emergency repairs and additional living costs to substantiate claims.

Editors note: Experts from the insurance industry are available to answer questions about the claims and recovery process after a severe weather event. Reporters can contact Sarah Revell at [email protected]to ask insurance-related questions or set up interviews.

Additional APCIA Resources:

APCIA Tornado Preparedness & Recovery

APCIA's Tornado Recovery Booklet

How to Avoid Contractor Fraud & Abuse

Why Homeowners Insurance Costs Are Rising

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