Emergency Insurance Information for Hurricane Katrina Victims
KANSAS CITY, Mo., Sept. 2 /PRNewswire/ -- Many residents of the Gulf states are being relocated to surrounding states in the wake of Hurricane Katrina. While it is uncertain when they will be able to return to their homes, those leaving devastated areas may have questions about their insurance, but do not know where to turn for help. The National Association of Insurance Commissioners (NAIC) is coordinating consumer assistance divisions nationwide to assist evacuees with questions regarding their insurance. Those numbers are listed below.
In addition, to obtain electronic access to a list of insurance carriers that have set up disaster hot lines to help their policyholders, consumers may visit the NAIC Web site at: http://www.naic.org/ . Insurance company toll-free numbers are also listed below.
Consumers are encouraged to contact their insurance carrier for assistance with questions about claims or their policies. The NAIC recognizes that extensive flooding, loss of electricity and displacement of people has hindered insurance adjustors' access to affected residents and business owners.
Other emergency contact information is also listed here and on the NAIC Web site.
State Government Insurance Help Lines
Alabama Department of Insurance Consumer Help Line
800-433-3966
334-241-4141
Louisiana Department of Insurance Consumer Help Line
800-259-5300
225-342-5900
Mississippi Department of Insurance Consumer Help Line
800-562-2957
601-359-2453
Texas Department of Insurance Consumer Help Line
800-252-3439
800-578-4677
Georgia Department of Insurance
800-656-2298
404-656-2056
Florida Department of Insurance
800-882-3054
850-413-3131
800-342-2762 - (FL only)
Tennessee Department of Insurance
800-342-4029
615-741-2241
Arkansas Department of Insurance
800-282-9134
501-371-2600
Immediate Disaster Assistance from the American Red Cross
If you have immediate emergency needs for food, clothing, shelter, or medical care contact one of the local offices of the American Red Cross. You can visit a local office or call their toll-free number at 1-866-438-4636.
Federal Government Help Line
Federal Emergency Management Agency (FEMA)
You may qualify for assistance from the federal government. You can
apply by calling 800-621-FEMA (800-621-3362). The information you will
need includes:
The street address of your damaged property
Your current mailing address and a telephone number where you can be
reached in the event you have been forced to relocate
Your Social Security Number
Your household's approximate gross income at the time of the flood or, if
you are reporting business damages, the gross income of the business
Information on the type of insurance coverage you have, particularly
flood insurance
Insurance Company Toll-Free Catastrophe Hot Lines
If you have homeowners, automobile, flood, renters, or other insurance,
please contact your insurance company to file your claims. The
following insurance companies have set up hotlines for insureds
displaced by Katrina:
A
ACE USA Clients receive individual 800 numbers or call 800 433-0385 (ACE
USA/INAMAR Marine claims); 800 234-7354 (Disaster Mortgage Protection
claims)
Acuity 800-242-7666
Alfa Insurance Group 888-964-2532
Alabama Municipal Insurance Corporation 866-239-AMIC
Allmerica 800-628-0250
Allstate 800-54-STORM (800-547-8676)
Allstate Floridian Insurance Company 800-54-STORM (800-547-8676)
American Bankers Insurance Company 800-245-1505
American Federation Insurance Company 800-527-3907
American General Property Insurance Company of Florida 800-321-2452
American International Group 800-433-8880 (auto & home)
American National Property & Casualty Company & Affiliates 800-333-2861
American Reliable Insurance Company 800-245-1505
American Skyline Insurance Company 888-298-5224
American States Insurance Company 888-557-5010
American Strategic Insurance 866-ASI-LOSS (274-5677)
American Superior Insurance 954-577-2202
Arch Insurance 800-817-3252
Argus Fire & Casualty Company 954-331-4722
Armed Forces Insurance Exchange 800-828-7736
Atlantic Mutual Insurance Company 800-945-7461
Atlantic Preferred Insurance Company 800-673-4952
Auto Owners Insurance Group (Palm City) 800-783-1269
Auto Owners Insurance Group (Ft. Meyers) 800-437-2256
AXA Re Property and Casualty 800-216-3711
B
Bankers Insurance Company 800-765-9700
Bankers Security Insurance Company 800-765-9700
Bituminous 800-822-2905 (Florida); 800-605-0311 (Mississippi &
Louisiana); 800-678-3104 (National)
Bristol West Insurance Group 800-BRISTOL
C
Capital Preferred 800-734-4749 or 888-388-2742
Catawba Insurance 800-711-9386
Century Surety Insurance Company 800-850-0422
CHUBB Insurance Group 800-252-4670 (800-CLAIMS-0)
Church Mutual Insurance 800-554-2642
Citizens Property Insurance Corp. 866-411-2742 (866-411-CPIC)
Cincinnati Insurance Company (call your local agent first and then
1-877-242-2544)
Clarendon National Insurance Company 800-216-3711
Clarendon Select Insurance Company 800-509-1592
CNA 877-262-2727
Colony Insurance Company 800-577-6614 ext. 1715
Companion Property & Casualty 800-649-2948
Cotton States Mutual Group 800-282-6536
CUNA Mutual 800-637-2676
Cypress 888-352-9773
E
EMC Insurance Companies 800-910-4988
Encompass Insurance Company 800-588-7400
Erie Insurance Group 800-367-3743
F
Farmers 800-435-7764
FCCI (first report of injury) 800-226-3224
Federal Mutual 888-333-4949
Federated National Insurance Company 800-420-7075
FEMA 800-621-3362 (800-621-FEMA)
Fidelity & Casualty Insurance Company 800-725-9472
Fidelity National Insurance Company 800-220-1351
Fidelity National Property and Casualty Insurance Company 800-725-9472
Fireman's Fund 888-347-3428 (888-FIREHAT)
First Floridian 800-252-4633 (800-CLAIM33) (personal); 800-238-6225
(business)
First Premium Insurance Group (Lloyd's Mobile Home) 800-432-3072
First Protective Insurance Company 877-744-5224
First Trenton 800-468-7341
Florida Family Insurance Company 888-486-4663 or 888-850-4663
Florida Farm Bureau Insurance Companies 800-330-3327
Florida Select 888-700-0101
Florida Preferred Property Insurance Company 800-673-4952
FM Global 877-639-5677 (877-NEWLOSS)
Foremost Insurance Company 800-527-3907
G
GE Employers Re 866-413-8978
GEICO 800-841-3000
General Star Indemnity Company 800-624-5237
General Star National Insurance Company 800-624-5237
Georgia Casualty & Surety 800-279-8279 (claim reporting); 866-458-7506
(claim dept.)
Georgia Farm Bureau 866-842-32276
GMAC Insurance (Auto Claims) 800-468-3466
Granada Insurance Company 800-392-9966
Great American 800-221-7274
Guide One 888-748-4326
H
Hanover Insurance (Allmerica) 800-628-0250
Harbor Insurance Company - 800 216-3711
The Hartford - 800-243-5860
Hartford Insurance Company of the Midwest 800-637-5410 or 800-243-5860
Hartford Steam 800-HSB-LOSS
Holyoke Mutual - 800-225-2533
I
ICAT 866-789-4228
Industrial Risk Insurers - 860-520-7347 (Business claims)
Interstate Fire & Casualty 800-456-8458, Ext. 770
L
Liberty Mutual - 800-2CLAIMS (800-225-2467)
Liberty Mutual Fire Insurance Company 800-637-0757 (in state);
800-633-1833 (24 hour)
Louisiana Citizens Property Insurance Corporation 800-274-9830
Louisiana Farm Bureau 866-275-7322
M
Main Street America Group 877-282-3844
Mercury Insurance Group 800-987-6000
MetLife Auto & Home 800-854-6011
Mississippi Farm Bureau 866-275-7322
N
National Flood Insurance Program (NFIP) - 1-800-427-4661
National Insurance Company 800-239-2121
Nationwide 800-421-3535
North Pointe Insurance Company 877-878-1991
O
Ohio Casualty and West American Insurance Company 888-701-8727
Old Dominion Insurance Company 877-425-2467 or 800-606-7992
Omaha Property & Casualty 800-638-2592 (Flood only)
Omega Insurance Company 800 216-3711
OneBeacon 877-248-4968
P
Poe Financial Group 800-673-4952
Progressive Auto Insurance 800-PROGRESSIVE (766-4737)
Q
QualSure Insurance Corp. 877-563-0150
R
Regency (Tower Hill) 800-216-3711
Republic Fire & Casualty (Homeowners, Dwelling Fire, Auto & Commercial)
800-451-0286
Republic Group (Republic Fire & Casualty, Republic Underwriters Southern
Ins Co, Southern Underwriters Ins) 800-451-0286
Republic Underwriters (Commercial) 800-451-0286
RLI Insurance Company 800-444-0406
Royal & Sun Alliance 800-847-6925
S
SAFECO 800-332-3226
Scottsdale Insurance Company 800-423-7675
Security National Insurance Company 800-Bristol
Selective 866-455-9969
Service Insurance Company 800-780-8423
Shelter Insurance Group 800-SHELTER (800-743-5837)
Sompo Japan 800-444-6870
Southern Family Insurance Company 800-673-4952
Southern Fidelity 866-874-7342
Southern Insurance Company (Commercial) 800-451-0286
Southern Underwriters (Commercial) 800-451-0286
Southwest Business Corp. (Lloyd's Excess Flood) 800-527-0066 Ex. 7389
St. Johns Insurance Company 800-748-2030
St. Paul Insurance Companies 800-CLAIM 33 (800-252-4633) -Auto and Home
Claims;
800-STPAUL (800-787-2851) - Business Claims
St. Paul Travelers 800-CLAIM33 (800-252-4633) - Auto and Home Claims;
800-787-2851 - Business Claims; 800-356-6663 -Flood Claims
State Farm Insurance 800-SF-CLAIM (800-732-5246)
Sunshine State Insurance Company 877-329-8795
T
TAPCO 888-437-0373
Texas Farm Bureau 800-772-6535
Tower Hill Insurance Companies 800-216-3711 or 800-509-1592
Travelers 800-252-4633 (800-CLAIM 33) - Personal Claims; 800-238-6225 -
Business Claims;
800-356-6663 (Flood claims)
Travelers Boat & Yacht 800-772-4482
Travelers WC (first report of injury) 800-238-6225
U
United Fire Insurance Company 800-343-9131
United Property and Casualty Company 800-861-4370
Universal Insurance Company 888-846-7647
USAA 800-531-8222
USF&G 800-787-2851; 800-631-6478 (homeowners claim); 407-660-9000
(customer service)
USLI 800-523-5545
V
Vanguard Fire & Casualty Company 888-343-5585
X
XL Insurance 800-688-1840
Z
Zenith (first report of injury) 800-440-5020
Zurich Insurance Company 800-987-3373
The NAIC recommends taking the following actions in the event of weather- related loss:
-- Contact your insurer and let them know that you have a claim. Ask them
for immediate financial assistance in covering additional living
expenses that are generally provided under homeowner's policies.
-- Let your insurer know how to get in touch with you. Cooperate with your
insurer in completing any claim forms and proof of loss forms that they
may require. Let your agent or insurance company know of your temporary
forwarding address and phone number.
-- If you have a dispute with your insurer about the amount of the claim
settlement, contact your state insurance department for assistance.
-- If your home is damaged or is currently awaiting repairs, take steps to
protect your home from further damage and document the state of your
home with photos or video.
-- Beware of downed power lines, especially near water - to avoid risk of
electrocution.
-- When returning home, do not drive through flooded areas or through road
barriers - they are there for your safety.
-- If your house is damaged, shut electricity off at the breakers. Keep
power off until an electrician has inspected your system for safety.
-- Copies of your household inventory and other documentation will assist
the adjuster in assessing the value of the destroyed property.
-- Immediately report property damage or additional damage to your
insurance agent and company.
-- If you have difficulty reaching your insurance company, contact your
state insurance department's consumer hotline for assistance. Links to
all state insurance departments can be found on http://www.naic.org/ .
-- Do not have permanent repairs made until your insurance company has
inspected the property and you have reached an agreement on the cost of
repairs.
-- Beware of fly-by-night repair businesses. Hire licensed and reputable
service and repair people. Get references and use local businesses,
when possible.
If you have any questions or concerns regarding your insurance coverage, your state insurance department is your best resource to provide you with the help and assistance you need.
About the NAIC
Headquartered in Kansas City, Missouri, the National Association of Insurance Commissioners (NAIC) is a voluntary organization of the chief insurance regulatory officials of the 50 states, the District of Columbia and five U.S. territories. The association's overriding objective is to protect consumers and help maintain the financial stability of the insurance industry by offering financial, actuarial, legal, computer, research, market conduct and economic expertise. Formed in 1871, it is the oldest association of state officials. For more information, visit the NAIC on the Web at http://www.naic.org/pressroom .
Source: National Association of Insurance Commissioners
CONTACT: Scott Holeman, +1-816-783-8003, or Miun Gleeson,
+1-816-783-8077, both for National Association of Insurance Commissioners
Web site: http://www.naic.org/
http://www.naic.org/pressroom
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