Disaster Preparedness and Recovery - Spring Risks
INDUSTRY RESOURCE: Catastrophe Preparation/Response Resources
Connecticut is at risk for many types of disasters including catastrophic weather and health pandemics.
It is important to review your Homeowner, Renters, or Condominium policy yearly and especially prior to the start of the Atlantic Tropical Storm season which begins June 1. Review your policy with your agent, a company representative or contact the Connecticut Insurance Department to understand what is covered and what your coverage limits are to ensure you are adequately protected.
The Connecticut Insurance Department (CID) offers resources year round to help you prepare for the worst and recover as quickly as possible. In the event of a disaster, the CID will:
- Keep you in touch with your insurer
- Work with state and federal emergency personnel to quickly get insurers to damaged areas
- Expedite the claims process to help you recover your losses, rebuild your life and livelihood
What’s The Risk
If it rains, it can flood. Even if you think your property is at a low risk for flooding, it is always a good idea to prepare for the worst.
Traditional homeowner’s, renter’s and business insurance does not cover flood damage. Flood insurance is a special policy federally backed by the National Flood Insurance Program (NFIP).
Private flood insurance also is now available in Connecticut. For more information on private flood insurance contact your agent or the Insurance Department.
Fast Facts On Floods & Flood Insurance
- An inch of water can cause costly property damage
- Flash floods can bring walls of water 10 to 20 feet high.
- A car can be carried away by just two feet of floodwater.
- New land development can increase flood risk
- Flood Insurance takes effect 30 days after purchase
Before the Flood:
- Know what your policies cover
- Create a home inventory
- Home Inventory App - NAIC
- Store policies and insurer contact info in safe place
- Make an emergency kit
- Have a family evacuation plan
After the Flood:
- 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
- 211 Infoline
- American Red Cross - CT
- Consumer's Guide to Earthquake Insurance
- Consumer information to understanding the different types of insurance, helpful tools and practical tips at NAIC.ORG
- CT Prepares APP
- Federal Emergency Management Agency (FEMA)
- Homeowner Insurance FAQs
- How to Prepare Ahead of Extreme Weather
- Insurance & Disaster Checklist for Business
- National Flood Insurance Program
- National Hurricane Center
- Resiliency Plans for Businesses
- State Emergency Services
Remember when disaster strikes: Contact the CID if you have difficulty reaching your insurer, have a claims dispute or have questions on any insurance-related topic. By phone: 800-203-3447 or 860-297-3900 or use our online options.