Connecticut may not be known for extreme weather, but residents are no strangers to natural disasters like hurricanes, tropical storms, flooding, and winter nor’easters. When the unexpected strikes, knowing how to navigate the insurance claims process can make all the difference. Below are some frequently asked questions to help guide you through the process.

What Should I Do Immediately After a Natural Disaster?
First, ensure your safety and the safety of your family. Once it’s safe to do so, document the damage by taking clear photos or videos. This will be crucial for your insurance claim. Avoid making major repairs until an adjuster has assessed the damage, but do take steps to prevent further issues—like covering broken windows or leaks.

When Should I Contact My Insurance Company?
As soon as possible. Most policies require timely notice of a claim. Contact Petruzelo Insurance or your carrier’s claims department to report the loss and begin the process. Our team is here to guide you through each step.

What Information Will I Need to File a Claim?
Be prepared with your policy number, a list of damaged or lost items, and any documentation you’ve gathered, including photos and receipts. The more detailed, the better—it helps speed up the evaluation process.

Will an Adjuster Visit My Property?
Yes, in most cases, an insurance adjuster will assess the damage in person. They’ll verify your loss, estimate the cost of repairs, and help determine your coverage. It’s helpful to have your documentation ready for their review.

How Long Does the Claims Process Take?
This depends on the complexity of the damage and how many claims are being filed regionally. After a major storm, delays are possible. However, working with a local agency like Petruzelo Insurance can help expedite communication and keep your claim on track.

Am I Covered for Flood Damage?
Standard homeowners policies typically do not include flood insurance. If you live in a flood-prone area, we strongly recommend adding a separate flood policy through the National Flood Insurance Program (NFIP).

Need Help?
Petruzelo Insurance is committed to helping Connecticut residents prepare for and recover from natural disasters. If you have questions or need to file a claim, contact our office—we’re here when you need us most.