Madison, Wis. – The Office of the Commissioner of Insurance (OCI) is sharing tips and reminders for Wisconsinites who may have experienced property damage from recent flooding.
Homeowners insurance does not typically cover
flood damage, but it's important to document damage, communicate with an insurer, and consider filing a claim. If a presidential disaster declaration is made and FEMA assistance is made available to Wisconsinites impacted by flooding, homeowners may need to provide proof of a denied homeowners insurance claim before they are able to receive FEMA assistance.
FEMA's requirement for proof of a denied claim has been implemented in Texas, for example.
Many Wisconsinites carry comprehensive auto insurance coverage, which does cover damage related to a flood. Those with collision-only coverage would likely not have coverage for flood damage. Consumers should contact their auto insurance provider or agent if they have questions about their coverage or to file a claim.
OCI recommends that consumers consider the following tips as they evaluate flood damage:
- Make a list of damaged items
- Take photographs of the damages before you begin to clean up.
- Keep damaged swatches (carpeting, upholstery, curtains, etc.) if possible
- Don't throw out any damaged property without the claim adjuster's agreement.
- Keep all receipts that document the cost of the repairs or the replacement of damaged items.
Read our
After a Storm Hits Fact Sheet for more information at oci.wi.gov/AfterStorm.
“Flood recovery can be stressful and overwhelming. Unfortunately, it's also a time when scam artists try to take advantage of vulnerable homeowners," said Commissioner Houdek. “Before you sign any contracts or make any payments, check that contractors or adjusters are properly licensed. It's important to be alert about potential fraud and never feel pressured into quick decisions."
Nonresident public adjusters are required to register with OCI.
Look up the adjuster you are considering if they are a nonresident to ensure they are properly registered.
Read our
Avoid a Public Adjuster Scam Fact Sheet for more information at oci.wi.gov/PubAdjusterScam.
The Department of Agriculture, Trade, and Consumer Protection (DATCP) also encourages consumers to take time to check out a contractor before signing a contract, and to avoid letting door-to-door repair crews into their homes. To check if there are complaints against a contractor, ask questions, or report transient crews, consumers can call
DATCP's Consumer Protection Hotline at (800) 422-7128.
Consumers may contact OCI if they have an issue with their insurance company or to report activity of an adjuster or an agent they feel is inappropriate. File a complaint online at
oci.wi.gov/Complaints, call (608) 266-3585 or (800) 236-8517, email
ocicomplaints@wisconsin.gov, or write PO Box 7873, Madison, WI 53707-7873.