INSURANCE TIPS

Homeowners/Flood Insurance

Call your company or agent as soon as you are back into your home. Keep a diary of all of your conversations with your insurance company. Insurance company disaster teams are in Pennsylvania now, but be patient and ask for a timeframe on when they can view the damage and help you.

In the meantime, take pictures of the damage and secure the problems so further damage does not occur. Do not make any permanent repairs until your carrier says you can. Keep all receipts. Be aware that multiple claims in a short time frame could result in a premium increase, so consider taking care of minor repairs on your own.

Avoid contractor scams and anyone who may knock on your door to help you with your clean-up or claims.

• Get more than one bid from contractors and ask for references.
• Ask for proof of necessary licenses, building permits, insurance and bonding.
• Record the contractor’s license plate and driver’s license number.
• Never pay upfront for the entire job. You can always go with the contractor and pay for supplies directly.

Flood damage to your vehicle is covered under your auto insurance policy if you have "comprehensive" coverage.

If the first offer made by the insurance company does not meet your expectations, be prepared to negotiate. If you believe you are being treated unfairly, call the Pennsylvania Insurance Department at 1-877-881-6388.

Crop Insurance

Those dealing with flood-related crop damage should note the following:

• If participating in a federally-sponsored crop insurance plan, you must notify an agent within 72 hours of discovery of crop damage.
• All residue and crop damage should be left intact until insurance agents can properly assess extent of damage.
• Individuals should contact Karen Powell at 717-705-9511 or their crop insurance agent with crop insurance questions.
• Contact the Department of Agriculture at the Pennsylvania Emergency Management Agency Agriculture desk at 717-651-2062.