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Charleston, W. West Virginians who suffered flood damage from Hurricane Ivan and have flood insurance should file insurance claims no matter what they hear about what the insurance may, or may not, cover. Those who suffered flood damage who have flood insurance should also register with the Federal Emergency Management Agency (FEMA).
Federal and state disaster officials are concerned that early rumors that flood insurance doesn’t cover such circumstances as, for example, basement flooding may deter people from filing insurance claims. And that could cost them assistance for which they are, in fact, eligible. In the case of basements, flood insurance under the National Flood Insurance Program (NFIP) does not cover non-essential basement furnishings. But it does cover such essential items as foundation elements, furnaces, hot water heaters, electrical junctions, washers, dryers and food freezers.
“It becomes hazardous in itself for people to decide their own eligibility in disaster settings,” said Lou Botta, federal coordinating officer for FEMA. “We urge them to consult their insurance agents and FEMA before reaching any conclusions on coverage.” For those without insurance, FEMA’s Individuals and Households program may provide funding to help sanitize a basement, repair or replace essential components or clean furnace and air-conditioner ductwork. The federal government underwrites flood insurance for sale through commercial insurance companies in communities that participate in the National Flood Insurance Program.
To receive federally secured financing to buy, refinance, build, repair, reconstruct or improve structures in special Flood Hazard Areas, you will be required to purchase flood insurance. This includes most types of mortgage loans, as well as FHA and VA loans. Here are some tips for filing flood insurance claims:.
Call your agent or insurance company. Have the name of your insurance company (some agents write policies for more than one), your policy number and a telephone number or e-mail address where you can be reached.
Ask for the approximate time frame during which an adjustor can be expected to visit your home. Work with the adjustor to calculate the value of insurable damage and prepare a repair estimate. Register with FEMA by calling, toll-free, 1-800-621-3362, or TTY 1-800-462-7585 for the speech or hearing impaired, while this process gets underway. Contact your insurance company if an adjustor has not been assigned to you within several days. Call FEMA’s Disaster Helpline, at the 800 number, option 3, if you have any questions on your claim or registration that haven’t been satisfied. “The federal-state disaster response organization is working hard to see that people are treated fairly,” said Steve Kappa, state coordinating officer for the West Virginia Office of Emergency Services (WVOES).
“We don’t want them to rule themselves out of eligibility for assistance on the basis of misinformation.” On March 1, 2003, FEMA became part of the U.S. Department of Homeland Security. FEMA's continuing mission within the new department is to lead the effort to prepare the nation for all hazards and effectively manage federal response and recovery efforts following any national incident. FEMA also initiates proactive mitigation activities, trains first responders, and manages the National Flood Insurance Program and the U.S. Fire Administration.