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I.I.I. OFFERS INSURANCE CLAIM FILING SUGGESTIONS FOR VICTIMS OF WINTER STORM '92

 NEW YORK, Dec. 16 /PRNewswire/ -- If your home or car was damaged by the severe winter storm that recently hit the northeastern U.S., report the damage to your insurance agent, broker or company representative immediately, says the Insurance Information Institute (I.I.I.).
 Windstorms are covered under standard homeowners policies. So, wind and wind-driven rain that may have damaged your home will be covered by homeowners insurance.
 Flood damage is covered by a separate flood insurance policy that is administered by the federal government's Federal Emergency Management Agency's (FEMA) program. If you purchased this type of protection, your agent can help you file this type of claim.
 Consumers with storm-damaged automobiles are covered under the comprehensive portion of their auto insurance policy.
 To file an auto, flood or homeowners claim, the I.I.I. recommends the following:
 -- Contact your agent or company representative and report the damage. Ask questions. Am I covered? Does my claim exceed my deductible? (Your deductible is the amount of loss you agree to pay yourself when you buy a policy) Remember, your agent, broker or company representative works for you.
 -- Follow up your call with a written explanation of what happened.
 -- Make temporary repairs to protect your property against further damage or looting. Use reliable contractors and keep all receipts for work done on the property. Most insurance policies cover reasonable expenses.
 -- Prepare a list of lost or damaged articles. Take photographs or videotape the damaged property. Save receipts for any additional living expenses you incur if your home is so severely damaged that you have to find other accommodations while repairs are being made.
 -- Be patient. Claims will be paid as quickly as possible, but hardship cases usually are handled first.
 If you need additional information on how to file an insurance claim, contact the National Insurance Consumer Helpline at 1-800-942-4242. Trained personnel are available Monday through Friday from 8 a.m. to 8 p.m. (EST) to answer basic questions regarding home and auto insurance. The Insurance Information Institute also publishes a free consumer brochure, "How to File an Insurance Claim," which outlines the steps to file both auto and homeowners insurance claims. It is available by writing to the I.I.I. Publication Service Center, 110 William Street, New York, N.Y. 10038.
 The I.I.I. is a non-profit, communications organization supported by some 200 property/casualty insurance companies.
 -0- 12/16/92
 /NOTE TO EDITORS: Journalists with questions regarding auto, home or business insurance may call the I.I.I. for up-to-the minute information, research and interviews./
 /CONTACT: Jeanne Salvatore, 212-669-9241, for I.I.I./


CO: Insurance Information Institute ST: New York IN: INS SU:

TM-LD -- NY007 -- 7539 12/16/92 08:02 EST
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Date:Dec 16, 1992
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