What to do if you have a loss in Hurricane Florence

To Customers of The Adcock Agency:

It appears no matter how much we do not want it to happen, Hurricane Florence is coming our way and may cause some of you to have a loss.  We hope this does not happen but want to give you some pointers if it does. There are also several things you can do to be prepared.

Write down your policy numbers and the insurance company’s claim phone number as well before the storm.  You may even want to put all of this in some kind of waterproof bag or container.

Put away anything you think water or wind would love to take somewhere else!

  • I repeat, Stay Safe.  When instructed by local authorities stay at home and do not travel.  If you have a loss during the storm, do not attempt to evaluate the loss while the storm is still here.
  • Take pictures.  They are worth a thousand words.  We all have great cameras on our phones.  Videos as well can tell a great story.
  • Protect your property the best that you can.  Make any emergency repairs you need to protect yourself and your property.  It is your responsibility to protect your stuff as well as you can.
  • Call your insurance company, or us, as soon as you can.  We would love to always be your first contact but we may not have electricity or phones, so have the claims number for your company at hand!  Also when we take the claim, we then have to send it to the company.
  • Keep detailed records of any expenses you incur and make a detailed list of anything damaged.
  • Once you have filed the claim, be patient.  If this is the storm we expect, adjusters will be coming from across the country to assist you as soon as is possible.  But I want to be honest, If you have a broken window and screen door missing, the company may not come to see you as fast as someone who has a tree through their house.  Every company wants to settle every claim, particularly in a storm, as quickly as possible

I do want to mention two of the most common questions we get in a storm like this.  

First, “a tree limb from my neighbors tree just fell on my car/house.”  I file the claim with them right?

The answer is no.  A live tree that falls on your car/house would be covered, if covered under your auto/home policy respectively. However, the neighbor would be liable if the tree were dead and they knew it!

Secondly, “I have two trees in my yard that fell and did not hit anything, other than the ground.”  My policy will pay to have them removed right?

If a tree falls on you house and goes through it, the insurance company will pay whatever it takes to get it removed from the house and on the ground.  Cleanup is on you. If it just falls in the yard, there is no coverage.

We will be available as soon as it is safe for us to make it back in the office.  We wish everyone safe passage through this storm.

The Adcock Agency.

Below is a list of our most common claims numbers you may need.

ERIE INSURANCE 800–458-0811
SELECTIVE 877-348-0552 Ext 1/Ext 1
NCJUA/ WIND POOL 919-821-1299 EXT 1 EXT 2
PROGRESSIVE 800-776-4737 OPT 5
FOREMOST 800-527-3907
TRAVELERS 800-252-4633
SCOTTSDALE 800-423-7675  EXT 1
Builders Mutual 800-809-4862

Please see the attached Contractor Reference List. This is a list of known businesses that do repair work. You are not obligated in any way to use anyone from this list. You are welcome to use any contractor you can find or currently use.

Contractor Repair List