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Governor Cuomo: Immediate Steps New Yorkers Should Take Regarding Hurricane Property Losses and Insurance Claims


August 30, 2011

Governor Andrew M. Cuomo today provided advice to New Yorkers on what to do if they suffered property damage from Hurricane Irene.

"The days following a natural disaster can be confusing and stressful, but it is important for those who have suffered property damage to file an insurance claim as quickly as possible to help protect their financial future," Governor Cuomo said.

Benjamin Lawsky, Superintendent of the Department of Financial Services, who oversees the State Insurance Department, said, "We will do everything we can to help people who suffered damage from the storm recover and get their lives back on track as quickly as possible. The purpose of insurance is to help people rebuild and we will be working to see that process does as smoothly as possible."

Governor Cuomo and Superintendent Lawsky suggested the following measures for New Yorkers with property losses:

The first step to getting your home restored is to contact your insurance company and/or agent with your policy number and other relevant information. Be aware that your policy might require that you make this notification within a certain time frame.

Take photographs or video of the damage before clean-up or repairs. After you've documented the damage, make repairs necessary to prevent further damage to your property, such as covering broken windows, leaking roofs and damaged walls. DO NOT have permanent repairs made until your insurance company has inspected the property and you have reached an agreement on the cost of repairs. Be prepared to provide the claims adjuster with records of any improvements you made prior to the damage. Save all receipts, including those from the temporary repairs.

If your home is damaged to the extent that you cannot live there, ask your insurance company or insurance agent if you have coverage for additional living expenses.
Ask what documents, forms and data you will need to file the claim. Keep a diary of all conversations you have with the insurance company and your insurance agent, including names, times and dates of the calls or visits and contact details.
Be certain to give your insurance company all the information they need. Incorrect or incomplete information may cause a delay in processing your claim.