Joseph Sviatko, 410-468-2458

Maryland Insurance Commissioner Al Redmer, Jr. Encourages Marylanders to Prepare For the 2018 Hurricane Season

Take Action with Insurance Matters Before the Storm Hits

BALTIMORE – In the wake of the recent flash flooding and heavy rainfall, the Maryland Insurance Administration advises Marylanders to be prepared and take action before additional storms and severe weather hit the State. Consumers can protect their assets and ensure timely processing of insurance claims resulting from storm damage with a few simple steps.
“Preparation is the key to a quick recovery after a hurricane or summer storm hits,” said Insurance Commissioner Al Redmer, Jr. “Now is a good time to meet with a trusted advisor, identify your exposure to risk, quantify it and make an informed and educated decision to include whether you should purchase flood insurance. Most homeowner insurance policies do not cover damage from floods.”
Here are some tips to help protect you and your family from issues resulting from extreme weather events:
Understanding Extreme Weather Hazards
Unpredictable weather means storms can come on quickly, taking you by surprise. Check the weather online or via a broadcast outlet every morning to better understand what the day may bring. Consider the following:
  • Hurricanes are powerful and destructive. Check that the walls, roofs and eaves of your home are secure and have been built to current codes.
  • Tornadoes can hit anywhere, anytime. Make sure you identify a shelter and practice an annual family tornado drill.
  • Flash floods are the cause of the most deaths associated with severe weather. Don’t drive or walk into flood waters. Never underestimate the power of flowing water.
  • Lightning is common even if getting struck is rare. Stay inside during a lightning storm to keep safe.

Create a Home Inventory
To make the claims process easier, complete an inventory of your belongings, include identifying information about your possessions (brand name, price, date of purchase, model, serial number and receipts) and take photos. The National Association of Insurance Commissioners offers a home inventory app for iPhones and Androids and a simple-to-use printable home inventory checklist.

Collect Your Insurance Information
Before a storm hits, review your insurance policies. Keep your policy information in a waterproof, fireproof safe or off-site (such as in a safe deposit box), or scan it and save it to a flash drive that you keep in an emergency kit. Make sure you know what is and is not covered. Determine if your home is insured to its full replacement cost. If you have questions, contact your insurance agent or insurer. Have the 24 hour contact information for your insurance agent and insurer. Make a list that includes your policy numbers, insurer and agent’s information.
Consider Purchasing Flood Insurance For Your Home
Flood damage is generally not covered by a standard homeowners or renter’s insurance policy. Flood insurance is a covered event in most auto insurance policies. The National Flood Insurance Program and some private insurers offer policies for flood damage. There is usually a 30-day waiting period before new policies take effect. Visit or call 1-888-379-9531 for more information.
Prepare for the Worst
To lessen damage caused by the storm, take stock of your home. Clear your yard of debris and trim dead or overhanging branches from trees surrounding your home. Ensure the roof sheathing is properly secured. Fasten end gables to the roof. Latch doors and garage doors properly. Secure shutters and outdoor furniture.
For personal safety, identify the nearest storm shelter and have an emergency or evacuation plan for your family. Practice your plan, making sure everyone knows where the emergency supplies are stored. Have a storm survival kit that includes bottled water, a first aid kit, flashlights, a battery-operated radio, at least three days of non-perishable food items, blankets, clothing, prescription drugs, eyeglasses and personal hygiene supplies.
If you must evacuate your home, turn off all utilities and disconnect appliances to reduce the chance of additional damage and electrical shock when utilities are restored.
After the Storm
The days following a natural disaster can be confusing and stressful, but report your insurance claim(s) as quickly as possible. Contact your insurer or agent with your policy number and other relevant information. Be aware that your policy may require that you make this notification within a certain time frame. Document damage by taking photographs before you start any clean up.

Protect Yourself from Fraud
Home repair fraud is common after a major weather event. Get more than one bid from contractors and request at least three references. Ask for proof of necessary licenses, building permits, insurance and bonding. Be wary of contractors who demand up-front payments for repairs.
For more information on insurance preparedness for natural disasters, visit:
About the Maryland Insurance Administration
The Maryland Insurance Administration is an independent State agency charged with regulating Maryland’s $28.5 billion insurance industry. For more information about the Insurance Administration, please visit or follow us on Facebook at or Twitter at @MD_Insurance.
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