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Independent Insurance Agents of South Dakota
Independent Insurance Agents of South Dakota
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Tuesday, 09/23/2014email print

Consumer Information
Let's chill out!Important
winter storm tips
Did you know...
  • Winter storms bring ice, snow, cold temperatures and often dangerous driving conditions.
  • Two of the 10 most costly insured catastrophes in U.S. history were winter storms.
  • In December 1983, wind, snow and freezing in 41 states caused estimated losses of $880 million.
  • The March Blizzard of 1993 was the fifth most costly insured catastrophe in the United States, causing an estimated $1.75 billion in damage.

Before a Winter Storm: 

  • Make a written or videotaped inventory of household possessions/property and store in a safe place with insurance policies, documents and other valuables.
  • Keep a supply of extra blankets.
  • Make sure each member of your household has adequate winter clothing:  at least a warm coat, mittens or gloves, a hat and water-resistant boots.

  • Assemble a disaster supplies kit including:  first aid kit; essential medications; portable, battery-powered radio; flashlight; extra batteries; canned food; non-electric can opener; and bottled water.
  • Winterize your car before winter storm season begins.
  • Keep your car's gas tank full for emergency use and to keep the fuel line from freezing.
  • Take a first aid class from your local Red Cross chapter to learn how to treat frostbite, hypothermia and exposure to the cold.

After a Winter Storm: 

  • Call your independent insurance agent as soon as possible.
  • Make temporary repairs to prevent further damage.
  • Delay permanent repairs until your insurer approves reimbursement.

  • Get any necessary construction permits from your community.
  • Keep all receipts.
  • Prepare an inventory of all damaged or destroyed personal property.

  • Take photos of damaged areas.
  • Save remnants of damaged or destroyed property for your insurance company adjuster.
  • Meet with your adjuster first, before signing anything with contractors, lawyers or public adjusters.





Independent Insurance Agents of South Dakota (IIASD)

Mailing address: 305 Island Drive Fort Pierre SD 57532
Tel. (605) 224-6234
Fax: (605) 224-6235
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