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Connecticut is at risk for many types of disasters including catastrophic weather and health pandemics. The Connecticut Insurance Department (CID) offers resources year round to help you prepare for the worst and recover as quickly as possible. In the event of a disaster, the CID will:

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Spring Risks        If it rains, it can flood. A warm, dry winter in Connecticut may have many thinking the risk is low, but it is always a good idea to prepare for the worst.        Traditional homeowner’s, renter’s and business insurance does not cover flood damage. Flood insurance is a special policy federally backed by the National Flood Insurance Program (NFIP).     Be Prepared: Determine Your Risk Emergency planning Flooding FAQs Flood Insurance Reduce Your Flood Risk Are You Prepared?   Fast Facts On Floods & Flood Insurance An inch of water can cause costly property damage Flash floods can bring walls of water 10 to 20 feet high. A car can be carried away by just two feet of floodwater. New land development can increase flood risk Flood Insurance takes effect 30 days after purchase

Before the Flood: Know what your policies cover Create a home inventory Store policies and insurer contact info in safe place Make an emergency kit Have a family evacuation plan After the Flood: Contact your insurer as soon as possible Take photos of the damage DO NOT make permanent repairs until your insurer has inspected the property Keep a diary of all contact, conversations with your insurer Helpful Resources: 211 Infoline American Red Cross - CT Disaster Claims Process Disaster Declarations in CT Federal Emergency Management Agency (FEMA) Home Inventory Tools Homeowner Insurance FAQs InsureU National Flood Insurance Program National Hurricane Center Ready.gov State Emergency Services

Remember when disaster strikes: Contact the CID if you have difficulty reaching your insurer, have a claims dispute or have questions on any insurance-related topic. By phone: 800-203-3447 or 860-297-3900 or use our online options.