State of Connecticut Insurance Department

This office is currently closed to public visitors as a protective measure for the safety of customers and staff. The department will continue to provide services by email and telephone. Consumers with questions can call 860-297-3900. Insurance companies and licensees can call 860-297-3800 directly. Service of process on the Insurance Commissioner will be accepted Tuesdays & Thursdays, 9 a.m. to 3 p.m. Visit the Department coronavirus information

Disaster Preparedness and Recovery
 
Spring Risks
A van sits beneath the underpass after being abandoned due to rising flood waters on Elm St. in south Stamford, Conn. on Tuesday, Sept. 25, 2018.

Connecticut is at risk for many types of disasters including catastrophic weather and health pandemics. 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

Be Prepared:

Before the Flood:

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

Helpful Resources:

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.