Arkansas Insurance Commissioner Allen Kerr released tips for Arkansas consumers to consider regarding insurance coverage and weather-related issues.
“I strongly encourage Arkansans to follow these simple steps to ensure that any loss or damage they may suffer can be handled as quickly as possible,” Kerr said. “The Arkansas Insurance Department is ready to help any consumer requiring assistance with the insurance needs following severe weather.”
Tips include:
• Do you have the right insurance? This is the main question Arkansas consumers should ask themselves. Kerr encourages Arkansans to check their coverage. Not all policies cover water damage, debris or tree removal, sewer backups due to flooding, or additional living expenses if disaster forces residents from their homes. Also check limits, including coverage for contents.
• Federal Flood Insurance — homeowners and renters insurance does not cover flooding. Consider buying federal flood insurance if damage from rising water is possible. Keep in mind that federal flood insurance takes 30 days to take effect.
Independent reporting for Pine Bluff & Jefferson County since 1879.
• Auto policy — check the auto policy. Comprehensive coverage (other than collision) pays if a storm or flood damages one’s car.
• Inventorypersonal property — photograph and videotape each room and the exterior of the home. List model and serial numbers and attach sales receipts. Safeguard records. Keep copies of both, including receipts, somewhere other than the home.
Arkansans needing assistance can call the department’s Consumer Services Division toll free at 1-800-852-5494.
Details: Arkansas Insurance Department, http://insurance.arkansas.gov, http://twitter.com/ARInsuranceDept and Facebook at http://facebook.com/ArkansasInsuranceDepartment.