Storm Info Central

Tools and resources to assist your clients

PIA's Storm Info Central tool kit offers you one spot for all your winter storm-related resource needs. If there is something you are looking for that you do not see here, simply contact PIA's Industry Resource Center at resourcecenter@pia.org or use the Ask PIA button on the PIA home page at www.pia.org and we will be happy to address your specific question.

Contents

Winter is here—and the NOAA shows us the latest on inclement weather

The Department of Homeland Security offers tips on snowstorms and extreme cold

Severe storm in Connecticut

Severe storm in New Jersey

Severe storms in western New York

Severe storm in Vermont

Before the storm

Below are some tips to prepare for the storm:

  • Keep your policy and other important documents together in a safe place.

  • Review your policy to understand your coverage—call your company or agent if you have questions.

  • Create or update your home inventory. Take photos of your possessions.

  • Note model and serial numbers.

  • Assemble original sales receipts and/or appraisal documents.

After the storm

Below are some tips to do after the storm has occurred:

  • Call your insurance company’s 24-hour claims phone number as soon as possible; provide policy number and other relevant information and documents.

  • Take photographs/video of the damage.

  • Make repairs necessary to prevent further damage, but do not make permanent repairs until your insurance company inspects the damage.

  • Save all receipts from temporary repairs.

  • Keep a diary of all conversations, emails and other correspondence with the company.

Ask PIA

Below are some of the questions we have answered through PIA's Industry Resource Center that may assist you with addressing your clients' questions regarding winter coverage-related issues.

Snowplowing

  • 900169—Damage to plow

  • 900019—Snowplowing—personal auto liability

  • 900051—Snowplowing—completed operations

Business Interuption

  • 900110—Perishable stock—spoilage coverage endorsement

Loss of Use

  • 900303—Homeowner's loss of use after windstorm power outage

Property

  • 900148—Damage from power surge

  • 900138—DP tree removal provisions

  • 900044—Fallen tree

  • 900035—Fallen tree—deductible

  • 900304—Food spoilage due to power outage

  • 900056—HO coverage and fallen trees

  • 900293—HO-2 vs. HO-3 coverage

  • 900248—Neighbor's tree

Other regulatory statements/materials

Federal

Connecticut

New Hampshire

New Jersey

New York

Vermont

Winter-related QuickSource documents

  • QS90117—Agency preparedness and recovery plan (disaster manual)
    A how-to for developing an action plan for your agency in the event of a catastrophe.

  • QS90089 Spoiled goods coverage
    A "how to" to ensure that your commercial clients (deli, baker, florist, etc.) receive the necessary coverage for goods spoilage

Consumer-related materials

PIA offers information for you to push consumer content to your customers on a variety of winter storm-related topics, including:

For more details on how you can personalize these items, contact PIA's Design and Print at design.print@pia.org.

This tool kit is intended for informational purposes only. It is not intended as legal advice nor to imply any legal course of action, but merely to give you helpful information on insurance.