HAMILTON – In response to Hurricane Sandy, AAA Insurance is taking action to assist its members. Adjusters are mobilized and handling claims.
Preliminary estimates are that approximately 2,900 AAA policyholders are likely to be affected by either hurricane force winds or storm surge. This number does not account for losses farther inland from wind related damage including downed trees. So far, 646 claims have been filed with AAA, the majority were due to downed trees. Additionally, 74 vehicle insurance claims have been filed with AAA.
“AAA is awed by the resilience and hope demonstrated by our members and policyholders,” said Tracy Noble, spokesperson for AAA Mid-Atlantic. “We are available and ready to respond to our policyholders’ insurance needs during this challenging time.”
Among the services being provided by AAA Mid-Atlantic:
AAA Insurance customers who have suffered damage to their homes can begin filing claims immediately. Claims representatives are ready to assist 24 hours a day. The number is (888) 222-0086
AAA Insurance is working closely with local car rental agencies to provide rental vehicles to policyholders having rental reimbursement coverage needing transportation as a result of lost or damaged cars.
AAA Tips on Tree Damage Insurance Claims (Homes & Vehicles):
- If your car is damaged by a fallen tree or limbs, then you would need to file a claim using your vehicle policy’s comprehensive coverage.
- If your tree falls on your house, your insurance will cover removal of the tree and home repairs due to damage.
- If your tree falls on your neighbor’s house, your neighbor’s homeowners policy would provide insurance coverage. The same holds true if your neighbor’s tree falls on your home; you would file a claim with your own insurance company.
- If a tree falls in your yard, but doesn’t hit anything, you would pay for its removal in most cases.
- Additionally, if a tree on your property is weak, damaged, or decayed, but you do nothing about it, and it crashes down, you could be held liable for damages.
AAA Tips on Vehicle Insurance Claims:
- Car owners should contact their insurance company to determine the extent of coverage before seeking repairs.
- Take photographs of any visible damage.
- Any vehicle sustaining flood damage should be fully inspected before being allowed back on the road. Mechanical components, computer systems, engine, transmission, axles, brake system and fuel system impacted by water contamination may render the vehicle unfit to drive and in many cases vehicles sustaining significant water damage will be determined to be a total loss.
AAA Tips on Homeowners Insurance Claims:
- The first step to recovery is inspecting your home for damage and then notifying your insurance agent or company representative as soon as possible.
- Prepare an inventory and take photographs of damaged property.
- Store undamaged property in a protected place if possible.
- If carpet is soaked, remove the carpet and the carpet pad. Keep a two-foot square piece for the claims adjuster.
- Look for hazards such as broken or leaking gas lines, flooded electrical circuits, submerged furnaces or electrical appliances and damaged sewage systems.
- Proceed with extreme caution as you inspect your basement. There may be hazards from electrical lines and heating units. If your basement has flooded, do not pump it out all at once. Remove about one-third of the water per day. The wet ground surrounding your basement may cause the floors to buckle and the walls to collapse.
- Remove contaminated materials from the home. Be aware of exposure to mold.
- Carpeting, mattresses and upholstered furniture should be disposed of or cleaned and disinfected by a professional cleaner.
- Cover broken windows and other holes to prevent further damage.
- Test drywall for moisture softness. If soft, cut holes at base to help dry out.
- If possible run AC, dehumidifier and fans constantly.
- If power is out, disconnect all computers and appliances from electrical sources.
- Open cabinet doors and elevate furniture allowing air to circulate.
- Save wet books or photo albums by putting them on edge in a frost free freezer.
- Be present when the adjuster inspects your damage.
“Our policyholders should know that we are here for them,” added Noble. “Helping them get back on their feet is important to us.”