CID: Spring Risk

Disaster Preparedness and Recovery

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:
  • keep you in touch with your insurer
  • Work with state and federal emergency personnel to quickly get insurers to damaged areas
  • Expedite the claims process to help you recover your losses, rebuild your life and livelihood

Spring Risks
 
     If it rains, it can flood especially when long snowy winter can melt away into rivers, streams and other waterways.  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).

     Private flood insurance also is now available in Connecticut. For more information on private flood insurance contact your agent or the Insurance Department.

Be Prepared:

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  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:
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:
 
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.

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Content Last Modified on 3/26/2014 11:20:34 AM