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INSURANCE ADVICE OFFERED FOR HURRICANE DAMAGE RECOVERY

 INSURANCE ADVICE OFFERED FOR HURRICANE DAMAGE RECOVERY
 NEW YORK, Aug. 24 /PRNewswire/ -- As the cleanup begins on the


damage caused by Hurricane Andrew, the Insurance Information Institute (I.I.I.) today offered some helpful tips on insurance coverage.
 Homeowners' and renters' insurance policies will cover damages from a variety of perils including wind, the I.I.I. notes. However, such policies do not cover damage from flooding.
 If your property has been damaged, here's what to do:
 -- Be prepared to give your agent a description of your damage: The agent will report the loss immediately to your insurance company or to a qualified adjuster who will call on you as soon as possible to inspect the damage. Be sure to give your agent a telephone number where the agent can contact you.
 -- Protect your home from further damage. Make whatever temporary repairs you can. Cover broken windows and holes in your roof and walls. Your insurance company will reimburse you for reasonable expenses in making temporary repairs to property damaged by insured perils.
 -- Do what you can to salvage and protect damaged building equipment.
 -- If you feel it is necessary, secure a detailed estimate for permanent repairs from a reliable contractor and give it to the adjuster when he arrives. The estimate should contain: detailed specifications of the proposed repairs, detailed repair cost prices and replacement prices.
 -- Take photos of the damaged areas. These will help you with the presentation of your claim and will assist the adjuster in his investigation of your claim.
 -- Prepare a detailed inventory of all damaged or destroyed personal property for the adjuster. Be sure to keep a copy. Your list should be as complete as you can make it and should include: description of the item (and number, if more than one), date of purchase or approximate age, cost at time of purchase and estimated replacement cost today.
 -- Collect cancelled checks, invoices, receipts or other papers that will assist the adjuster in obtaining the value of the destroyed property.
 -- Obtain repair estimates for furniture or other personal property that can be repaired economically.
 -- If you must leave your home, be sure it is secured and protected from further damage. Leave a note on your front door or other conspicuous place, advising where you can be reached.
 Serious Losses Will Be Given Priority
 Even with many additional adjusters, it will take time to process the thousands upon thousands of damage claims being filed. If your home has been destroyed, or yours is a serious case, tell your insurance agent that you need help. He will do all he can to assure your loss is given priority.
 The Insurance Information Institute is an educational, fact-finding and communications organization for the property and casualty insurance industry.
 -0- 8/24/92
 /CONTACT: Bill Davis, 800-879-5220, or Jeanne Salvatore, 800-331-9146, both of the I.I.I./ CO: Insurance Information Institute ST: Florida, New York IN: INS SU:


GK-OS -- NY043 -- 2595 08/24/92 12:39 EDT
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Publication:PR Newswire
Date:Aug 24, 1992
Words:497
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