As the heavy rains and flooding continue to impact communities across the state, the Connecticut Insurance Department (CID) Consumer Affairs Division has issued an alert and is providing answers to claim-related questions.

[UPDATE, 8/22] The CT Division of Emergency Management and Homeland Security (DEMHS) is asking affected businesses to fill out a damage assessment form. This is completely voluntary, but it is information gathering that is needed for the state to help determine possible FEMA and/or SBA assistance.

>>> DEMHS requests that damages from this week’s flooding be reported using this online Residential & Business Damage Assessment Form. It is critical to document all damages with photos before making any repairs. Click here to access the form. <<<

>>> Connecticut Emergency Flood Relief Grant FLYER >>> The state will administer the grant program in partnership with the Connecticut Women’s Business Development Council (CTWBDC) and has developed this flood grant page. <<< 

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>>> Visit this Connecticut website for additional resources, information, and guidance at www.ct.gov/cid.

For specific inquiries and answers to coverage questions and how to submit a claim, contact CT Consumer Affairs by phone at (860) 297-3900 or via email at?insurance@ct.gov.

Insurance Department Virtual Claims Center

Affected consumers can attend virtually by using this link: CID Virtual Claims Center

Learn about important flood safety and insurance information to help safeguard residents and businesses

• To substantiate your loss, prepare an inventory of damaged or destroyed items and give a copy to the adjuster, along with copies of any receipts. Don’t throw out damaged items until the adjuster has visited. You should also consider photographing or videotaping the damage. If your property was destroyed, or you no longer have any records, work from memory.
• Identify structural damage to your business and any supporting structures. Make a list of everything you want to show the adjuster, such as cracks in the walls and missing roof tiles. You should also get the electrical system checked. Most insurance companies pay for these inspections.
• Get written bids from licensed contractors. The bids should include details of the materials to be used and prices on a line-by-line basis. This makes adjusting the claim faster and simpler.
• Keep copies of the lists and other documents you submit to your insurance company. Also, keep copies of whatever paperwork your insurance company gives you and record the names and phone numbers of everyone to whom you speak.