Winter Weather Causes Auto Accidents, Floods; IINC Offers Advice to Homeowners, Drivers as Heavy Storm Blankets State

    LOS ANGELES--Feb. 13, 2001--As wet weather covers the state, floods and high-winds threaten to wreak havoc for both drivers and homeowners.
    Yesterday alone, the stormy weather caused some property damage and flooding and caused an increase of over 400% of reported auto collisions in some areas.
    By taking a few precautions now, homeowners can protect their property and prevent storm damage.

    -- Learn how to drain your swimming pool, and be prepared to reduce its water level as storms approach. Water damage from overflowing pools is not covered in your homeowners policy.

    -- Inspect any storm drains located on the street near your home. If they appear clogged or congested, report them to your city's public works department.

    -- Inspect the trees on your property. Remove or cut back any branches that are rotted or could fall on your house.

    -- Inspect your roof for leaks and have them repaired immediately.

    Though flood insurance is not included in a standard homeowners policy, it can be purchased through your agent, from the National Flood Insurance Program. The average annual premium is $300 for every $100,000 in coverage. While flood insurance can be purchased at any time, there is a 30-day waiting period before the coverage takes effect.
    Motorists should take precautions while on slippery roads. Driving slower and practicing defensive driving can help prevent accidents, however, the Insurance Information Network of California offers the following tips for those involved in rain-related traffic collisions.

    -- Assess injuries. If there are any, call for medical help and notify the police. A police report should be filed for any injury accident.

    -- Exchange information with all involved parties. Copy the drivers name and address from their driver's license, as well as insurance information, the vehicle license number and registration.

    -- Call your insurance agent immediately and be sure the accident is reported to DMV. By law DMV must receive notice of all accidents.

    -- Take pictures of the damage, the more information provided to the insurance company the better in getting claims resolved.

    IINC, a non-profit, non-lobbying consumer education organization has spokespeople in both Northern and Southern California. For more information on this or other safety issues or to schedule an interview call 800/397-1679 or visit our Web site at www.iinc.org.