Insurance coverage Division Supplies Info for Householders, Enterprise House owners to File Harm Claims Following Sturdy Storms and Flooding – Pennsylvania Pressroom


09/08/2021
Harrisburg, PA – Following the strong storms, tornadoes, and historic flooding in the commonwealth, Insurance Commissioner Jessica Altman today provided information to home and business owners to help them file insurance claims for damages, and tips to avoid repair scams.
Property and business owners should get familiar with their policies or talk with a representative from their insurance company to identify what their policy covers and doesn’t cover. Policyholders should also find out what their policy deductible is, and any dollar limits on the amount of damage the policy will cover.
The department also wants to remind homeowners that flood damage is not covered by most homeowners’ insurance policies, and a separate flood insurance policy is required to pay for damage caused by flooding.
"Experiencing significant home, property and business damage from a storm can be incredibly difficult, but we want Pennsylvanians to know there are resources available to help them through the process," Commissioner Altman said.
The Insurance Department has brochures for homeowners and business owners with important information on how to file claims for storm damage. These brochures include key tips on what information you need to file an insurance claim for storm damage, as well as what questions to ask and what to look for to spot a possible repair scam.
 
The After the Storm brochure includes tips such as:
Storms that cause damage to numerous homes and businesses throughout a community can be a magnet for dishonest contractors. The After the Storm brochure also provides several tips for consumers on how to avoid home repair scams, including:
Commissioner Altman also advised consumers to be wary of contractors with work vans or trucks that have out-of-state license plates or lack signs or insignias identifying the company name.

"Repairing a home or business after storm damage can be challenging, but following these tips can help Pennsylvanians file claims and lessen their chances of being scammed," said Commissioner Altman. "In addition, property and business owners should review their insurance policies annually to make sure they have the appropriate coverage."

Consumers with questions or wishing to file a complaint can contact the Insurance Department’s Consumer Services Bureau, or by calling 1-877-881-6388. The department also has a dedicated Flood Insurance page for Pennsylvanians looking for additional information.

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