CONSUMER ALERT – August 19, 2024
 

CONNECTICUT INSURANCE DEPARTMENT ASSISTS CONSUMERS WITH
FLOOD AND STORM DAMAGE AMID HEAVY RAINS

As heavy rains and flooding have impacted communities across the state, the Connecticut Insurance Department (CID) Consumer Affairs Division is available to answer claim-related questions.

Visit the department's website for additional resources, information, and guidance at www.ct.gov/cid.

For specific inquiries and answers to coverage questions and how to submit a claim, contact Consumer Affairs by phone at (860) 297-3900 or via email at insurance@ct.gov. 

Learn about important flood safety and insurance information to help safeguard residents and businesses

Damage to Your Home

If you received damage to your home due to downed trees, wind, or wind driven rain, you may be covered under your homeowner’s policy. Contact your agent or the Consumer Affairs Division to get answers to your questions.

Automobile Damage

Collision coverage applies to an auto accident. If your automobile received water damage during a storm, comprehensive coverage pays for the damage, including fire, severe weather, vandalism, floods and theft. As comprehensive coverage is not required by law, check your policy or contact your agent or insurer for details regarding your coverage.

Understanding Flood Insurance

Standard homeowners' and renters’ insurance policies typically do not cover damages caused by flooding. Separate policies can be purchased through the National Flood Insurance Program (NFIP). Flood insurance is essential to protect property and assets from flood-related damage.

  • Know Your Coverage: Flood insurance covers structural and content damages, but it's essential to understand the coverage limits and specifics. Consult an insurance agent for personalized advice.
    • Homeowners: Generally, flood insurance policies cover up to $250,000 of flood damage to a home’s structure. A standard flood policy will cover structural damage, including damage to the furnace, water heater, air conditioner, floor surfaces (carpeting and tile), and debris clean-up. The standard NFIP flood policy also provides personal property (contents) coverage for up to $100,000. Contents coverage must be purchased separately.
    • Renters: Because flood is not covered under a basic renters insurance policy, renters should talk with an insurance agent about flooding risks to decide if flood coverage for belongings is needed.
    • Business Owners: A basic NFIP flood insurance policy will typically cover up to $500,000 on a non-residential building.
  • Plan Ahead: Remember, flood insurance policies typically have a 30-day waiting period before taking effect. Prepare evacuation plans, pack go-bags and secure important documents.
  • Claims Process: Make an inventory of personal belongings.
  • Recovery and Assistance: In the event of flood-related damage, document the damage and contact your insurance providers.

Dealing with Flood Waters. Floodwaters can pose health and safety hazards. Follow these tips to mitigate risks:

  1. Avoid Exposure: Keep children and pets away from floodwaters as they may contain hazardous elements such as debris or contaminants.
  2. Clean and Disinfect: Wash hands often with soap and clean water or use an alcohol-based sanitizer after contact with floodwaters. Discard items that cannot be washed or disinfected such as mattresses, stuffed animals, baby toys and wood cutting boards as well as food that may have come into contact with floodwaters.
  3. Medical Attention: Seek immediate attention if you become injured or ill.

Contact Information. The Connecticut Insurance Department (CID) encourages affected individuals to visit the department's website for additional resources, information, and guidance at www.ct.gov

For specific inquiries, contact CID by phone at (860) 297-3900 or via email at insurance@ct.gov.

Additional Flood Safety Resources:

 
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