Commissioner Gives Advice to Winter Storm Survivors

In the aftermath of a huge wind, snow and rain storm that caused large spread devastation in the state of Washington, the Washington Insurance Commissioner Mark Kreidler gives a news release about what to do next.

“When it's safe to do so, survey your property and determine the extent of damage you've suffered, if any. Before you file a claim, check your policy to see what's covered and the amount of your deductible. If you don't have substantial damage, you may want to make the repairs yourself. But if you have substantial damage, contact your agent or company as soon as possible.” (Origination of this statement is from the website of the Washington State Office of the Insurance Commissioner.)

This statement was an opening one. However, the Commissioner had more advice for Washingtonians. It is as follows:

1. High wind damage is usually covered by a typical homeowners policy.
2. Damages from flooding are covered by a flood insurance policy.
3. If you are unsure of what is covered by your policy, contact your local insurance agent or insurance company.
4. The majority of auto damage from the storm will fall under the coverage of an automobile policy (as long as you have Comprehensive or Other than Collision Coverage). If you have a Liability only policy, you will not have any coverage for the storm.
5. Take photos or even a video of your damages from the storm.
6. Keep yourself from suffering any further damage by taking easy steps to repair or protect property.
7. If your insurance company fails to respond to you or you have any disputes, contact the Washington State Insurance Consumer Hotline at 1-800-562-6900.

For additional advice, Commissioner Kreidler says to look at an online publication from his office “Winter Weather and Insurance Coverage.”

The purpose of the words of Commissioner Kreidler is to help the residents of Washington State mitigate their damages. Mud slides. Flooded road ways and homes. Lack of electricity. All of these things continue to affect many Washingtonians especially those in areas like Chehalis, Olympia and Winlock. Things have been so crippling that Governor Chris Gregoire had to call in the Navy, Coast Guard and National Guard for help.

Thankfully, these government agencies came in and rescued several hundred people from flooded areas. However, now, what remains left is a big clean up. For this, Washington residents will have to roll up their sleeves, regroup and also take the words of Commissioner Kreidler to heart.