State of Connecticut Insurance Department

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

A severe winter in Connecticut brings a variety of risks - roof collapses, ice dams and auto accidents. Preparing for the worst of winter and knowing what your policies cover before you have to make a claim will help you recover faster from disaster.

Winter Damage Claims Tips & Coverage FAQs

How to reduce risks to your property in winter

Current Weather Conditions

Before the storm:

• Know what your policies cover
• Create a home inventory
• Store policies and insurer contact info in safe place

After the Storm:

• 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:

• 211 Infoline
• American Red Cross - CT
• Consumer's Guide to Earthquake Insurance
• CT Prepares APP
• Federal Emergency Management Agency (FEMA)
• Homeowner Insurance FAQs
• Home Inventory
• Insurance & Disaster Checklist for Business
• Insure U
• National Flood Insurance Program
• National Hurricane Center
• Ready.gov
• 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.