File an insurance claim following severe storms - CBS46 News

File an insurance claim following severe storms

Posted: Updated:
Source: WGCL Source: WGCL
ATLANTA (CBS46) -

After the severe storms that ripped through metro Atlanta overnight, Georgia Insurance Commissioner Ralph Hudgens is offering claims assistance for consumers whose property sustained damage.

Those looking to file a claim can call the Consumers Services Hotline at 404-656-2070 or if you're outside the metro Atlanta area, you can call 800-656-2298.

Homeowners with damaged property can take the following steps to begin the claim-filing process:

  • Contact your insurance agent immediately if you have had damage to either your house or car; do not delay. Your agent should provide you with claims forms and arrange for an insurance adjuster to visit your property or look at your automobile.
  • Hail damage to your car is typically covered by the comprehensive/collision portion of your automobile insurance policy; hail damage to your home – your roof, for example – is covered by your homeowners policy.
  • Secure your property.  For example, if your roof was damaged or blown off, or a tree has punctured the roof, cover the affected area with a tarp or plywood to protect your property from further damage. Keep receipts of materials used for repairs; your insurance company will reimburse you for repair costs.
  • A typical homeowners policy does not cover removal of downed trees unless the tree falls on a covered structure, such as the house.
  • Remember, insurance companies will generally allow claims adjusters to write checks for additional living expenses to victims on the spot.  Contact your agent for details.
  • Policies will typically 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.
  • Policies will typically 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.

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