 | Insurance Reserve Fund |
Hurricane Helene Reporting Damage
M E M O R A N D U M
TO: All Insureds
FROM: Anne Macon Smith, Director Insurance Reserve Fund
DATE: October 3, 2024
RE: Hurricane Helene Damage
South Carolina has experienced rain, flooding and damaging weather due to Hurricane Helene last week. If you have sustained water damage it should be a priority to remove the remaining water from the facility as quickly as possible and begin drying/dehumidifying immediately. This will reduce subsequent water damage and speed the recovery process.
Please report your claim immediately. Use the attached property claim reporting form CL-02
DO NOT delay reporting your claim because you are waiting to collect all damage claim information before reporting to the IRF. The IRF wants to set up your claim as fast as possible to assign an adjuster to work with you. Additional damaged segments can always be added to your claim as they are discovered. Do not skip reporting your loss to IRF, even if you intend on filing a claim with FEMA.
The days immediately after a storm are chaotic. As soon as possible, please report claims in one of the following ways:
-E-Mail to: newclaims@irf.sc.gov
-Fax to Catastrophe Claims: 803-737-0042
-Telephone: 803-737-0020 (agents will assist you).
Regardless of how you report a claim, please have the following information:
Policy Number
Segment Number (building number)
Description of damage
The keys to rapid recovery are temporary repairs to "dry in" buildings and detailed documentation.
As it relates to property damage claims due to the storm, maintaining detailed documentation and a separate account to track all expenses associated with your loss is the key to a smooth claims process. For damaged buildings covered by the Insurance Reserve Fund, the cost of repairs to those buildings performed by your employees may also be covered.
 |  Insurance Reserve Fund PO BOX 11066 | Columbia, SC 29211 MAIN: 803.737.0020 | FAX: 803.737.3832 |