CHICAGO — Although the Cedar River reached its crest yesterday it is not expected to drop below major flood levels for several more days, so the Property Casualty Insurers Association of America (PCI) is encouraging residents impacted by the food to follow the orders of local authorities. As they are able to access their property, they should contact the National Flood Insurance Program, or their insurance agent or company to get the claims process started.  “While it is good news that the flooding in Cedar Rapids was not as bad as it could have been, these events present significant challenges for those in the flooded areas and insurers are available to answer questions and help families and business begin the recovery process,” said Hilary Segura, counsel, state government relations for PCI. “Claims adjusters are prepared and as emergency officials provide access to impacted areas, they will work with residents to file claims.”Flood damage is typically covered through the National Flood Insurance Program policy rather than homeowners insurance. However, cars, trucks and other vehicles damaged by flood water may be covered under an automobile insurance policy’s comprehensive coverage.“Contact your insurance company or agent to discuss what is covered by your policy,” said Segura. “As a claim is filed, there are a number of things residents can do such as photograph the damage and make an inventory of what was lost and damaged to help expedite the recovery process. Tips If You Experienced a Loss: Residents with flood insurance policies through the National Flood Insurance Program (NFIP) can contact either the flood insurance agent or the NFIP directly at (888) 379-9531 or <a href="http://www.floodsmart.gov/">www.floodsmart.gov</a>.<ul style="list-style-type: disc;"> <li style="color: #000000;"> Immediately contact your insurance agent or company representative.   </li> <li style="color: #000000;"> Inspect property and cars for damage. </li> <li style="color: #000000;"> Inventory losses and photograph damage, and save related receipts to assist with claims handling. </li> <li style="color: #000000;"> Secure property from further damage or theft. </li> <li style="color: #000000;"> Check the background and legitimacy of repair contractors. Ask your insurance company for assistance in locating a reputable contractor. </li> <li style="color: #000000;"> Keep detailed records of business activity and extra expenses during the interruption period, and prepare records to show the income from the business both before and after the loss. </li></ul>PCI will continue to conversation on twitter <a href="https://twitter.com/PCIAA">@PCIAA</a> and use #FloodSafety where we will share important tips and stories throughout the year.For more information visit <a href="http://www.pciaa.net/media-center/pci-at-work/flooding-headquarters">PCI’s Flooding Headquarters</a>.

Although the Cedar River reached its crest yesterday it is not expected to drop below major flood levels for several more days, so the Property Casualty Insurers Association of America (PCI) is encouraging residents impacted by the food to follow the orders of local authorities. As they are able to access their property, they should contact the National Flood Insurance Program, or their insurance agent or company to get the claims process started.  

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