Flood Recovery Efforts: Are You a Victim?

ST. MARY'S COUNTY - 10/2/2010

St. Mary’s County Department of Public Safety and Land Use and Growth Management are working alongside the Maryland Emergency Management Agency in assessing the damages within our county during the September 30 and October 1, 2010 flood event. 

If your home or property was during this time period, please contact Land Use and Growth Management at: (301) 475-4200 ext. 1500 or the Department of Public Safety at: (301) 475-4200 Option 6, Option 3.  The following is information that can help citizens and businesses that were affected during this weather event. 

File Insurance Claims
Report property damage to your insurance agent immediately. Your agent should provide you with claim forms and arrange for an insurance adjuster to visit your property and assess the damage.
? Make emergency or temporary repairs and document them. Keep all receipts and take photographs of the damages, before and after an emergency repair, to submit your claim.
? If the damages require you to leave your home, secure your property, remove valuable items, lock windows and doors and leave contact information with your insurance agent.
? Check with the Land Use and Growth Management to determine if repairs require a permit.

If you are in need of further assistance or have issues with your insurance company, please contact:

Maryland Flood Insurance Program
525 St. Paul Place, Baltimore, Maryland 21202-2272
1-800-492-6116
TTY: 1-800-735-2258
www.mdinsurance.state.md.us

For additional questions regarding the National Flood Insurance Program:
Joy Hatchette
Associate Commissioner Consumer Education & Advocacy
Maryland Insurance Administration
(410) 468-2029

Know Your Rights
Criminals may prey on your vulnerability after a storm.  Know your rights as a consumer  and don’t let your eagerness to make repairs leave you a victim.  

• Be cautious of anyone coming to your home uninvited and offering to do home repairs and be alert to individuals canvassing your neighborhood in an unmarked van or truck.
• Insist on a written estimate and get estimates from several companies.
• Be sure the contract or business card has an address, telephone number and license numbers.
• Ask for references and check them out.
• Insist on start and completion dates on the contract.
• Do not pay the final balance for work performed until it is completed to your satisfaction.