Last weekend, Hurricane Irene came and left a trail of destruction in its path along the East Coast. States from Florida to Vermont are left dealing with the harsh destruction that the storm  left behind. At the moment, there are still many in CT coping with loss and figuring out what the next step is, especially with their policies from CT insurance agencies. Here are some things that businesses and homeowners need to do to file a claim:

Homeowners

–          The first step is to make sure that you are safe in your area. If there is destruction at your property, don’t return until the proper authorities say so. Also, do not drink tap water in your home until you know that the water is safe to drink.

–          Take as many pictures of the damage as possible. This will help your insurance adjuster determine how much the insurance company will need to reimburse you for.

–          If your home is too damaged to reside in, find a place to stay with relatives in the area. If this is not an option, consider finding an emergency shelter in your local area.  Check with your CT insurance agent to determine if your homeowners policy provides coverage for you to live elsewhere while your house is inhabitable.

–          Contact your local insurance agency in CT with any pressing questions about the status of your claim.

Business Owners

–          Along with the steps that a homeowner should take (leave until safe, don’t drink water, etc.) you’ll need to determine if your business is capable of being closed for a period of time. If this is not possible, find a new location that can act as a temporary station for your company.

–          If you lose business income because of a catastrophic situation, ask your insurance agent if your small business insurance covers lost income; as well as, property damage. Understanding what is covered and what isn’t will help youdetermine whatclaimscould be filed.

–          If you own a restaurant and have been without power, check with your insurance agent to determine if you have food spoilage coverage.

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