The Pennsylvania Department of Insurance Commissioner Teresa Miller has issued instructions about guiding residents affected by the floods in late October through the process of filing for insurance claims to prevent home repair scams.
Commissioner Miller has sent a representative to the affected communities to instruct them on the proper procedure for repairing their homes and making claims from the insurance companies.
“It’s important for homeowners with flood insurance to know what information and documentation they need to file a claim,” Commissioner Miller told reporters.
Among others, she said homeowners should document the damage to their homes and property by taking photos or videos, and keeping a record of the areas and items that were damaged. Phone calls should likewise be properly logged by keeping the name of the person who assisted them and the time and date of the conversation.
“Homeowners should only make those repairs necessary for them to live in their home, until getting approval from their insurer for the cost of permanent repairs,” Commissioner Miller added.
She also warned residents against scammers who will offer to represent them to the insurer to get a better deal, and to watch out for shady contractors.
“Policyholders can employ individuals called public adjusters to assist with the claims process, but these people must be licensed by the Insurance Department. Always ask for the Insurance Department license number from anyone claiming to be a public adjuster,” Commissioner Miller reminded residents.
Furthermore, she said that while most home repair contractors operate honestly, homeowners should make sure to double check with the Attorney General’s Consumer Protection Bureau, where contractors who have an annual income of $5,000 and above are required to register.
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