Insurance Tips for Ohioans Impacted by Recent Flooding

For Immediate Release: Monday, December 23, 2013

Taylor Shares Insurance Tips for Ohioans Impacted by Recent Flooding

COLUMBUS – Lieutenant Governor and Insurance Director Mary Taylor is offering information and tips for Ohioans impacted by the severe conditions and flooding caused by recent heavy rain and compounded by melting snow.


“Ohioans dealing with the aftermath following recent severe weather should contact their insurance agent immediately,” Taylor said. “Because the recovery process can seem overwhelming, those with questions about insurance or their claims can contact the Department of Insurance consumer hotline at 1-800-686-1526 for assistance.”


Damage caused by rain, hail, lightning and tornado are generally covered by a standard homeowners insurance policy and an auto insurance policy’s “comprehensive” or “other than collision” coverage. Flood insurance is not included in a typical homeowner’s and renter’s policy. It’s made available by the federal National Flood Insurance Program (NFIP) at and is purchased through an insurance agent. People should regularly review their need for flood insurance because there is a 30-day waiting period for coverage to start.


If you suffered property damage, you should:

  • Call your insurance agent or company as soon as you      can. Be sure your agent knows how to contact you, especially if you have      to move out of your home.
  • Take reasonable steps to prevent additional damage if      permitted by public safety authorities and if you will not endanger      yourself.
  • Closely inspect property and cars for damage. Note and      photograph any damage.
  • If required to seek temporary housing, check your      policy for “loss of use” coverage.
  • Be sure everything is considered in your claim. Back up      claims with written estimates.

Taylor offers these tips to avoid becoming a victim of contractor fraud:

  • Obtain a list of reputable contractors from your insurance      carrier, the Better Business Bureau or a specialized consumer      organization.
  • Contact multiple contractors and obtain more than one      estimate.
  • Do not allow a contractor to inspect your property when      you are not home.
  • If you give a contractor permission to inspect your      property, personally watch them conduct the inspection.
  • Obtain, in writing, the terms and conditions of the      project.
  • Avoid signing a contract until the document is reviewed      fully and/or discuss the terms of the contract with a legal representative      or a trusted adviser.
  • Pay the contractor by check or credit card, rather than      in cash, and do not pay in full until all work has been finished.

Ohioans with insurance questions can call the Department’s consumer hotline at 1-800-686-1526 and visit for information. Those who have been victimized by contractor fraud should contact the Department’s fraud hotline at 1-800-686-1527. You can follow the Department on twitter @OHInsurance and on Facebook at


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Communications | 50 West Town StreetSte. 300 | Columbus, OH 43215

Posted on: December 23rd, 2013 at 2:21pm by bwittenbaum. Filed under: Ohio Insurance News

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