The Illinois Department of Insurance (IDOI) wants the recent severe summer storms that swept across Illinois to serve as reminders to homeowners to make sure they have the coverage they need.
The IDOI said in a press release that homeowners need to reassess risk, determine whether more possessions or home upgrades need coverage, decide if flood or sewer-backup insurance is needed, and find out if bundling options are available with auto and home insurance.
Consumers also should be aware of the difference between terms like dwelling, personal property and other structures when it comes to insurance.
A standard homeowners policy typically does not protect against flooding, the IDOI cautioned. Flood-insurance policy holders can have their claims handled by contacting their insurance company or by calling the National Flood Insurance Program at 800-638-6620. Those whose homes have sustained flood damage but do not have insurance can inquire whether financial assistance is available by calling the disaster tele-registration hotline at 800-621-3362 or contacting their local disaster-application centers.
Events such as mine subsidence and earthquakes typically are not covered by homeowners policies except through additional coverage.
Any homeowner looking for more information can contact their insurance agent, call the Department of Insurance at 866-445-5346, or go to the department's website at http://bit.ly/2t5G1mO.
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