Storm Season Tips
National weather observers are predicting an active storm season in the Great Plains this
Spring. It’s been delayed somewhat by the long winter we’ve had,
so it’s time for homeowners and vehicle owners to make sure they have adequate coverage for
any upcoming events that might happen.
The Kansas Insurance Department (KID) staff has come up with the following checklist of
questions and statements that consumers and their insurance agents can review for determining
whether your insurance is ready for spring weather-related events.
Ask yourself these questions :
Do you have the right insurance? Do you know what your policy covers? Is the amount of
coverage adequate? Does it cover new additions or recent remodeling?
Check all limits, including coverage for contents. Keep your agent’s name and number available
and easy to find, and periodically discuss coverage options with him or her.
Know your policy coverage exclusions
Not all policies cover the following: Water damage, including flood and surface damage,
whether driven by wind or not; backup of sewer or drains; and sump pump failure. These are the
most common exclusions. Riders for these situations may be available to add to your existing
Also, check your auto policy. Comprehensive coverage (other than collision) usually pays if
damage is caused by wind, hail and/or flood.
Inventory your personal property
KID can provide you with a “Personal Home Inventory” booklet to help you list the contents of
your home. Go online at www.ksinsurance.org
, under “Publications,” to print off a personal
copy. We also have available the “Homeowners and Renters Insurance and Shopper’s Guide”
and the “Auto Insurance and Shopper’s Guide” for printing. You can also download the
MyHomeScr.APP.book application for your smartphone from the National Association of
Keep a copy of the inventory, sales receipts and video or photographs of your personal property
in a secure place outside of your home.
Recovering after a storm
If you suffer loss or damage because of windstorm or hail, follow these tips:
• Contact your agent and/or insurance company immediately.
• Keep a record of conversations with your agent or company. Write down the date and
time, the person’s name and a summary of the call.
• Make a list of all damaged property, and take photographs/video of it.
• Get instructions from your company’s adjuster before calling anyone to repair or replace
damaged property. Your insurer’s visual inspection of your loss may be required before
claims are paid.
• Keep a list of all damaged property with the date, price and place of purchase for the
adjuster. Make a copy of the list and all insurance forms you fill out for your own
Settling your claim
If a windstorm or hail disaster occurs, adjusters will handle the largest losses first, but they
should work to handle all claims as quickly as possible. Remember the following:
• Be present when your adjuster inspects your property.
• Insurance companies will have their own company or hired adjusters who should have
appropriate employee identification. Be leery of any public adjuster who would charge
you a percentage or your claim amount. Public adjusters in Kansas are not permitted to
adjust personal homeowner losses.
• Beware of questionable or unfamiliar contractors in obtaining repair estimates. If
possible, get more than one written estimate, and hire only local, reputable contractors to
make the repairs once you get a written settlement from your insurance company.
• If you experience problems with your adjustment, you may file a written complaint with
KID for assistance.
Get help if you need it
For more assistance call the KID Consumer Assistance Hotline, (in Kansas) 800-432-2484