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.
Q: What insurance covers flood damage to my house?
A: A National Flood Insurance Program policy or private flood 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?
Q: My car was flooded. Is it covered?
A: Yes, if you have comprehensive auto 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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