Saturday, April 10, 1999

To file a claim

        Here are some things homeowners should do after being hit by tornadoes or other severe weather:

        • Take inventory of all the damage to your home. The list provides the insurance adjuster an accurate report of your losses and speeds up the claims process.

        • Make temporary repairs to prevent further damage. Make only temporary repairs and save your receipts, so your insurer can reimburse you for the repairs.

        • If there is damage to your home — or other insured structure or property — caused by a fallen tree, your insurance carrier will have the tree removed and repair the damage, minus your deductible.

        • Sheds, fences and garages are covered under most homeowners policies.

        • Don't panic if your lose your policy or if it has been lost or destroyed in the storm. Most insurance companies have a file of your policy and can help you file a claim when you report your name and tell them your insurance agent's name. Don't let this burden delay the process to file a claim.

        • Contact your insurance company or agent as soon as possible.

        Source: Insurance Information Institute, Enquirer research


Hope emerges from the rubble
Sirens worked, but some slept through
Families flew from their beds
Bengals coach: 'God's hand on me'
Driver got upside-down trip on freeway median
Photographer encounters death, devastation
House is a cheap price to pay for life
Community safe, serene and vulnerable
In Addyston and Ripley County, some feel blessed just to be alive
Survivors eager to swap stories
Two died in field; two died on roads
Adjusters quick to arrive at disaster
- To file a claim
Dealing with storm aftermath
Don't rush repairs after storm
Tips to picking a contractor
Kids need help to overcome grief, fears
Talking to kids
Phones, power out until Sunday
Rescue team did tough job
Storm could spur support for tax levy
Storms' memories linger after damage is repaired
Mobilization was instant
Tornado tales
TV/radio stations had reason to boast
Volunteers grab chain saws, mops as workers untangle wires
At least 7 businesses destroyed
911 calls reveal confusion, fear