STATE OFFERS INSURANCE TIPS FOR TORNADO VICTIMS

SPRINGFIELD, IL -- The Illinois Department of Insurance is offering some advice to Illinois residents faced with insurance claims from tornado and other types of storm damage.

"The first several days after a disaster can be very stressful even when property damage is covered by insurance," noted Insurance Director Mark Boozell. "Concerns about temporary shelter, emergency repairs and the costs of restoring or rebuilding sometimes make it difficult to think clearly about filing an insurance claim."

To assist propertyowners facing that process, the Insurance Department offers the following suggestions:

• Notify your agent or company right away. Be sure to report your temporary address and phone number if you've vacated your home.

• Make necessary temporary repairs and move your personal property to a protected area to prevent additional damage. Clean and dry items damaged by water, but do not dispose of anything until the insurance adjuster has examined them.

• Keep records and receipts of all additional living expenses, and temporary repair costs.

• List all damaged items you plan to report. Include as much detail as possible: e.g., purchase dates and prices, brands, and model and serial numbers.

• Ask about advance or partial payments, especially if you need money to make your house liveable. Advance payments will be subtracted from your total settlement.

• Be cautious about contractors you hire to repair or rebuild your damaged property. Do not let anyone rush you into repair work, and do not sign contracts for major repairs until the insurance company has determined how much much it will pay.

• Be suspicious of anyone who promises you more than your insurance covers or leads you to believe that you should profit from a disaster. If you have any questions about the handling of your claim, contact your insurance company.

Finally, if you have questions or problems that you can't resolve with your insurance agent or company, contact the Department of Insurance in Springfield at (217) 782-4515 or TDD (217) 524-4872; or in Chicago at (312) 814-2427 or TDD (312) 814-2603.

Related Information

• When Disaster Strikes - What to Do After an Insured Homeowners Loss
• Disasters - Who Can You Contact?
• Disaster Brochure