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Hurricane Insurance

Dealing with the Aftermath of a Hurricane

Although Connecticut isn’t often associated with hurricanes, residents of the state know that doesn’t mean they’re out of harm’s way. Because of Connecticut’s location on the Atlantic Seaboard, New England hurricanes are capable of causing immense destruction to homes and businesses throughout the region.

At Carter Mario Injury Lawyers, we’ve seen the devastation these hurricanes can cause, and it’s our goal to help you take the right steps to get back on your feet.

Filing Insurance Policy Claims

If your home or property was damaged by a hurricane, the Connecticut Insurance Department (CID) and National Flood Insurance Program (NFIP) offer the following tips for filing your claim:

  • Speak with your insurance provider.
    Contact your insurance company right away if your home or business was damaged. You also may need to contact the CID. If so, have the following information ready:

    • Name of your insurance company
    • Your policy number
    • Your telephone number and/or email address
  • Separate damaged property from undamaged property.
    Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.

    • Take photographs of the damaged property, including discarded objects, structural damage, and standing floodwater levels.
    • Make a list of damaged or lost items and include the dates of purchase, values, and receipts, if possible.
  • Complete a Proof of Loss Form from your insurance company.
    You’ll need to send this form to your insurance company within 60 days of the hurricane. This document substantiates your insurance claim and is required before the insurance company can make a payment.

Getting the Money You Need

You may receive your claim payment after your insurer has your complete, accurate, and signed Proof of Loss Form and you both agree on the amount of damages you suffered. If major catastrophic flooding occurs as a result of the hurricane, it may take longer to process your claim or for you to receive a payment because of the number of claims that have been submitted by other hurricane victims.

For more information about filing your claim, contact the CID at (800) 203-3447 or visit www.ct.gov/cid.

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