CONSUMER NOTICE – February 2, 2024

Snowing - Landscape

As winter continues in Connecticut, Commissioner Andrew N. Mais reminds residents that the Connecticut Insurance Department (CID) is here to help. The CID is committed to informing consumers about potential winter-related risks and providing guidance about the claims process.

Make sure you are winter-ready with these important tips and resources.

Before the Storm:

  • Review your home and automobile insurance coverage before the policy period begins. Understand what is covered and what is not.
  • Evaluate whether you have the appropriate level of coverage and adequate liability limits.
  • Document your possessions with a home inventory checklist or use the Home Inventory App by the National Association of Insurance Commissioners (NAIC).
  • Consider downloading your insurance carrier’s mobile app to your phone or other device.
  • Store your insurance policy information in a safe and easy to access place.

During the Storm:

  • Keep an eye on current weather conditions and plan accordingly.
  • If you must travel, check your local weather and traffic reports before heading out.
  • In the event of damage to your property, first, make sure that you are safe. In case of an emergency, call 911.

After the Storm:

  • Reach out to your insurer as soon as possible to report any damage to your home or automobile.
  • Document damage and take clear photos.
  • Ensure steps are taken to prevent any further damage but DO NOT make permanent repairs until your insurer has inspected the property.
  • Keep a detailed record of all interactions and conversations with your insurer.

Remember: When disaster strikes, we've got your back. Contact CID if you have difficulty reaching your insurer, have a claims dispute or have questions on any insurance-related topic.

You can reach us by phone at 860-297-3900, by email insurance@ct.gov, or through our website.

Additional Resources:

 
 
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