State of Connecticut Insurance Department

Health Insurance Rate Request Filings for 2023
CT Conference on Climate Change & Insurance
NextGen Career Academy for Careers in Insurance & Financial Services
Business hours, appointments, and service of process
Insurance Department's 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.

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

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.