natural disaster claims

Information on how to proceed after you've experienced damage from a hailstorm or winter weather.

Nature is a fickle friend and weather is unpredictable. Visit our catastrophe center for valuable tips to help you prepare for the worst.

In the case of an emergency, the following links provide additional resources to assist with preparing for or recovering from disaster.

• American Red Cross
  The American Red Cross not only provides disaster relief nationally, but is part of a global humanitarian network, responding to those in need.
• Federal Emergency Management Agency (FEMA)
  FEMA is an independent agency of the federal government, which provides preparedness and response and recovery support to the nation.
• National Oceanic & Atmospheric Administration (NOAA)
  NOAA is a federal agency and the primary source of weather data and warnings for the United States.
• Home Inventory App
  Having a full inventory of your personal belongings will help the claims process go smoother if your possessions are lost, stolen, or damaged in a natural disaster.

Catastrophes usually bring out the best in most people, but also bring out the worst in a few others. The most common types of fraud that occur after a disaster involve unscrupulous building repair firms, price gouging, offers of debris removal, and fraudulent charitable solicitations. The following can help you avoid becoming a victim:

• Contact your agent or Safeco immediately. You will want your claim reviewed as soon as possible so that repairs can begin promptly. Also, your insurance coverage may provide for additional living expenses.
• Beware of high-pressure sales people. Don’t be rushed into signing a contract. Take the time to obtain written estimates from more than one contractor. Make sure to read the entire estimate or contract before you sign.
• Get everything the contractor discusses in writing. If there are changes or modifications in the contract, they should be acknowledged by all parties in writing. Never sign a contract with blanks that have not been filled in.
• Do not make large down payments. Unscrupulous vendors could disappear after receiving the down payment or after performing limited work. Federal law also requires a three day “cooling off” period for unsolicited door to door sales of more than $25.
• Verify all licensing concerning those individuals or companies that you are considering hiring. Check with your state's Better Business Bureau or Contractor's Licensing Board for more information.
• Deal only with licensed contractors. Ask to see the contractor's license and other identification. If the person claims to be representing a contractor, but can't show you a contractor's license, call the contractor and find out if the person is authorized to act on the contractor's behalf.
• Only do business with a contractor who carries appropriate insurance coverage. If the contractor is not insured, you may be liable for accidents that occur on your property. Ask the contractor if he/she carries general liability and workers’ compensation insurance. Request a certificate of insurance (COI) from the contractor that shows the name of the insurance company, policy number and policy limits the contractor carries.

If you believe you have been victimized by building repair firms or you have knowledge of suspected insurance fraud, contact:

• Safeco Special Investigation Unit: 1-855-817-7323.
• National Insurance Crime Bureau: 1-800-TEL-NICB (1-800-835-6422)