10-Word Answers to Your Biggest Hurricane Insurance Questions

Homeowners Insurance, Insurance
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If you’re unsure how flood, homeowners or auto insurance works after a hurricane, check out these answers — all in 10 words or less — to common questions.

Q: A hurricane is headed my way. Can I buy last-minute insurance?

A: Probably not, due to waiting periods, with some exceptions.

» MORE: Can you buy last-minute hurricane insurance?

Q: What insurance covers flood damage to my house?

A: A National Flood Insurance Program policy or private flood insurance.

» MORE: Complete guide to hurricane insurance

Q: How do I start a flood insurance claim?

A: Contact your insurance agent or company as soon as possible.

Q: What do I need to start an NFIP flood insurance claim?

A: Proof of Loss document, evidence of damage and policy details.

Q: How long do I have to file a flood claim for Hurricane Harvey?

A: One year, according to the Texas Department of Insurance.

Q: What if I don’t have flood insurance?

A: Apply for assistance from FEMA or the Small Business Administration.

Q: My car was flooded. Is it covered?

A: Yes, if you have comprehensive auto insurance.

» MORE: Understanding collision and comprehensive insurance

Q: My house has wind damage but no flood damage. What insurance covers that?

A: Homeowners insurance or windstorm insurance. Check your policy.

Q: What does an insurance adjuster do?

A: Assesses the damage and settles your claim.

Q: How long should I wait for an adjuster?

A: They should contact you within days after filing your claim.

Q: When should I start making repairs?

A: Let a claims adjuster document damage before making permanent repairs.

Q: Can I get more than 30 days’ worth of my medications?

A: Many health insurers pay for extended supplies after a disaster.

Q: What if I can’t pay my insurance bills due to the disaster?

A: Your state insurance department may ask insurers to suspend premiums.

Q: Can anyone help me navigate the process for making a large insurance claim?

A: Yes, public insurance adjusters can be hired for a fee.

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