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Hurricanes: Insurance and recovery resources
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Following a hurricane or other disaster, getting back to normal can take some time. To assist in the recovery process, the Triple-I has compiled useful information around post-disaster safety and insurance coverage questions, with detailed guidance on how to file a claim.
Safety and resources for recovery
Following a hurricane, new perils brought by the storm can pose risks. And if you have evacuated, it might not be safe to go back home. The following articles provide information and guidance to keep you and your loved ones safe in the aftermath.
Articles:
After a hurricane, beware of the dangers that remain
When disaster strikes: Preparation, response and recovery
Health safety following a flood
What does insurance cover?
In the aftermath of a hurricane or natural disaster, policyholders may have questions about the insurance process, including what is covered and what isn’t. Here are some answers to many of these common questions about home, auto, flood and other coverages.
Articles:
What is covered by standard homeowners insurance?
How does flood insurance work?
Business insurance and flooding: Q&A
Environmental liability insurance
Claims
After a disaster, you want to get back to normal as soon as possible, and your insurance company wants to help. You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here’s what you need to know about claims payments, including how to file a claim, what to expect during the process, and detailed explanations of what hurricane deductibles are, and how they work.
Articles:
Understanding the insurance claims payment process
How to file a homeowners claim
Hurricane deductible backgrounder
Understanding your insurance deductibles
Infographic: Hurricane deductibles
How is the settlement amount determined?
Infographic: How to file a flood insurance claim: Tips from FEMA
Video: Additional Living Expenses
Additional Resources
Many national organizations and ones in your state may offer resources for recovery that are helpful to you. The following is a general list, followed by specific resources for those affected by Hurricane Laura in Louisiana and Texas.
Frequently asked questions about FEMA disaster assistance
FEMA Helpline: 1-800- FEMA (1-800-621-3362)
TTY 1-800-462-7585
711 or Video Relay Service (VRS) 1-800-621-3362
Institute for Business & Home Safety
Red Cross: Hurricane safety checklist
Local resources and insurers
Alabama resources:
Florida resources:
Louisiana resources:
Mississippi resources:
Texas resources: