|Targeted News Service|
"Health and safety must come first. If debris is creating unsafe conditions, people must be able to clear it away without hurting their right to make an insurance claim,"
Superintendent Lawsky said, "If debris is dangerous, homeowners should carefully document their losses and then dispose of the debris. Taking photos and videos and even keeping samples of damaged materials is a good idea. We will be vigilant in protecting homeowners who have already suffered so much."
Both the directive dealing with dangerous debris and the moratorium on terminating policies cover the storm damaged areas:
With respect to the moratorium, Superintendent Lawsky said, "Many people have lost everything, others cannot return to their homes. They should not be penalized if they are unable right now to make a payment on their insurance policy, which they desperately need to help them recover."
The Governor has already announced that hurricane deductibles in most downstate homeowners' insurance policies will not apply because Sandy did not have sustained hurricane force winds when it hit
The DFS directive covers homeowners' insurance policies. Flood insurance policies are covered by
For claims under homeowners' insurance, if dwelling debris must be removed before the adjuster is able to examine it, homeowners should:
1. Inventory all the damaged items.
2. Take individual color photos of the damaged property, targeting any high ticket items. If possible, videotape the damage items.
3. Have the camera set to record the date / time.
4. If possible, take samples or swatches of carpeting, wallpaper, furniture upholstery, window treatments, and other items where quality will be a claims factor.
5. The inventory should reflect the corresponding picture for validation.
6. Keep this information in a secured location to share when the adjuster arrives.
This process applies to all contents that are damaged and will be claimed.
TNS RadHar67-121106-4096231 StaffFurigay
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