Commissioner of insurance is ready to assist storm victims - CBS46 News

Commissioner of insurance is ready to assist storm victims

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Original photo of downtown Atlanta tornado. (Courtesy: Shane Durrance) Original photo of downtown Atlanta tornado. (Courtesy: Shane Durrance)
ATLANTA (CBS46) -

Representatives from the Commissioner of Insurance office are standing by to help consumers in storm-damaged areas of Georgia.

"We want all consumers to be familiar with steps they should take to minimize property damage and file claims caused by today's severe weather," said Ralph Hudgens.

Hudgens offered a few tips to storm victims in Georgia:

  • Contact your agent or insurance company immediately.
  • Protect your property from further damage.  For example, if your roof is damaged, cover it with a tarp to prevent water damage from rain.  Most policies will not cover such damage. 
  • Keep an accurate record, including receipts for labor and material, of repair expenses.  Do not dispose of damaged property until the insurance adjuster examines it. 
  • A typical homeowner’s or commercial property policy does not cover removal of downed trees, unless the tree falls on a closed structure, such as the house. 
  •  If the damage to the structure is so severe that you have to leave, remove valuable items if there is nowhere in the home to lock them up.  
  •  Policies will generally cover contents at their cash value, which means their used value; however, most companies offer a replacement cost option, which will pay for new items.   

Hudgens said, "Policyholders who need my help can call my office for assistance at (800) 656-2298."

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