Zephyr hurricane insurance

Zephyr hurricane insurance DEFAULT

(KHNL) - Zephyr Insurance, one of the state's residential hurricane insurance companies, is informing its policy holders how to make claims if there is damage from Hurricane Flossie.

If Hurricane Flossie should cause damage to your residence or property you need to be prepared.  Have ready access to your insurance policy and identify your agent and insurance company.  Should Hurricane Flossie damage your property, your main point of contact to expedite claims filing will be your insurance agent.  Know their phone and fax number.

Aside from your insurance agent, you should know the various insurance companies that could be involved with your claim:  1) hurricane insurance; 2) homeowners insurance; 3) auto insurance; and 4) flood insurance.  These are the primary insurance areas where coverage may be available to pay losses in the event of a hurricane.

Additionally, stay tuned to radio and television broadcasts.  Insurance companies will use these forms of media to direct you to the appropriate places to receive help if you are unable to contact your insurance agent or company directly.

Zephyr Insurance policyholders who are unable to contact their insurance agent should forward their claims to Zephyr's claim reporting service, KLJ,

Inc.:

1.    By online electronic notice at www.zephyrclaims.com or link from

www.zephyrins.com;

2.    E-mail to [email protected];

3.    Fax to 1-866-445-2198; or

4.    Call the operator-assisted toll free center at:  866-649-3848.

After incurring a loss from a hurricane, start the following:

1.    Insure the safety of your family.

2.    Report your loss.  Report your damage to your insurance agent (their phone

number is normally in your policy declarations) or contact Zephyr's claim call center, KLJ, Inc. using one of the methods above.  You may use a copy of your policy declarations as an initial claims notification with other essential information that should include:  1) a phone number by which you can be reached and 2) a description of the loss (i.e. roof damage, total loss, etc.).

3.    Take steps to protect property.  Make temporary repairs to protect

property from further damage or looting.   Use only reputable contractors.

Keep all receipts from materials and services.

4.    Prepare for the adjuster's visit.  Make a list of damaged items.  If

possible, take photographs of the damage, and put together a set of records (old receipts, bills and photographs).  Don't throw out any property, as the adjuster will want to see them.

Building damage:  Make a list of everything you would like to show the adjuster when he/she arrives.  Get written bids from reliable, licensed contractors on the repair work to help facilitate the claim process.  Bids should include details of the materials to be used and prices on a line-by-line basis.

After a loss, if you are unable to locate your Zephyr policy information and are unsure of your insurance agency contact, please call our claim reporting center KLJ, Inc at 866-649-3848.

Sours: https://www.hawaiinewsnow.com/story/6932687/hurricane-claims-info-from-zephyr-insurance

Zephyr Insurance ratings and coverages

Zephyr Insurance’s rating is based entirely on customer reviews written on Clearsurance. The rating is determined using an algorithm that analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say Zephyr Insurance does well vs. the percentage of what customers say the company could do better.

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Insurance Tips on How to Prepare for Start of 2021 Hurricane Season

May 29, 2021

May 29, 2021, 9:39 AM HST * Updated May 27, 10:44 PM File photo. Pre-Lester rain, 9.2.16 Wailuku/HappyValley/Mokuhau, Maui. A leading provider of residential hurricane coverage in Hawaiʻi, Zephyr Insurance, is reminding residents and homeowners to start preparing for the 2021 hurricane season that begins on June 1 and runs through Nov. 30. “Last year was challenging for our community, however we were fortunate that the 2020 Hurricane Season was mild in the Pacific and didn’t impact the Hawaiian Islands,” said Tim Johns, President and CEO of Zephyr Insurance. “Our mission is to help protect Hawaiʻi residents during times of disaster, and over the last year, we have been working hard to develop new policies and procedures that provide safer and more efficient ways for customers to engage with us.” NOAA predicts a near-or below-normal 2021 Central Pacific hurricane season with 2-5 Tropical Cyclones. The information was shared as part of the annual Season Outlook, which calls for an 80 percent chance of a near or below normal season. This number includes tropical depressions, named storms and hurricanes. Agency officials say this is a prediction, NOT a forecast of hurricane landfalls. A near-normal season has 4 or 5 tropical cyclones. Zephyr Insurance recommends the following tips for preparing your home and family for Hawaiʻi’s 2021 Hurricane Season:  Trim or remove damaged trees. Trees within close proximity to your home have the ability to rub or damage your roof when swaying in high winds. Check gutters and downspouts. Repair or clear to prevent potential roof damage and flooding. Check for leaks. Check doors, windows and walls for openings that could allow water to enter the home. Consider retro-fitting to secure and reinforce the roof. Hurricane clips work by further strengthening the bond between the roof and the walls of your home. Update your disaster supplies kit. Have a dedicated disaster supplies kit with enough supplies to last 14 days. Recommended items include a supply of water (one gallon per person per day), non-perishable packaged or canned food, battery-powered radio, extra batteries, flashlight, updated list of family contacts and physicians, candles, and more. Review insurance policies. The moment a hurricane watch or warning is issued by the Central Pacific Hurricane Center, portions of your homeowners insurance shut off and your hurricane insurance is activated. Having hurricane insurance means you’ll be reimbursed for your covered losses in the event your home is damaged due to a hurricane. Take photos of your home. Take the time to walk around your property and take photos to use as proof of the condition of your home prior to potential hurricane damage. This will be useful if you need to file a claim. ARTICLE CONTINUES BELOW AD Launched in 2020 as a safety precaution, Zephyr Insurance policyholders can now schedule a virtual inspection, in lieu of the traditional in-person inspection, in the event their home sustains damage as a result of a hurricane. ARTICLE CONTINUES BELOW AD “During a time when health and safety is everyone’s top priority, our new virtual inspections offer a safe and convenient way for our policyholders to manage the claims process with no physical contact needed,” said Johns. The virtual inspection technology, Claim Xperience, allows the customer to guide a licensed adjuster around their home with the use of a mobile device camera to capture photos and videos of the sustained damage. The photos and videos are immediately secured by GPS information and used to create a photo report of damages. A virtual inspection can be scheduled with an adjuster, within 24 hours of an initial loss report. Residents should be aware of the three types of insurance policies they may have on their home: Homeowners Insurance: Provides coverage for damage to your house, any permanent structures on your property and personal items. Most policies exclude damage caused by hurricanes and floods. In Hawaiʻi, if you carry a mortgage on your home you are required to have homeowners insurance. Hurricane Insurance: If you have a mortgage on your home, you are also required to have hurricane insurance coverage. This is a separate policy that provides coverage for damage to you home that is caused by hurricane winds. The policy does not cover flooding from streams or other following water. Flood Insurance: Having a flood insurance policy will provide coverage for damage caused by storm surges, overflowing streams and other types of flowing water. This is additional coverage, especially if it is not included under your homeowners insurance. Related Articles

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How to Prepare for a Hurricane in Hawaii - Zephyr Insurance Company Inc.

Hurricane Awareness: Zephyr Insurance

Zephyr Insurance is the leading provider of residential hurricane coverage in Hawaii. Following Hurricane Iniki in 1992 (estimated $3 billion in damage), insurance companies refused to sell hurricane/wind insurance coverage to Hawaii homeowners that put them at risk. Zephyr is locally funded and was established to fill the void and is responsible for reestablishing Hawaii’s hurricane insurance market and allowing things to “return” back to normal.  Locally managed and staffed, they are the only insurance carrier in Hawaii that conducts annual claims testing.  

The health and safety of customers is the priority, and as a result of COVID-19, Zephyr has implemented several new policies to ensure that they are able to continue to service customers during this unprecedented time. 

Zephyr Insurance recently launched a new virtual claims process. Through the use of an APP or browser, they can do virtual inspections to determine the severity of a loss. This technology allows the adjuster to guide the customer with the use of a mobile device camera to capture photos and videos of sustained damage. These photos and videos are immediately secured by GPS information and used to create a photo report of damages. It’s a very quick and seamless process. 

For more information visit http://zephyrinsurance.com

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