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.
More about disasters and insurance from NerdWallet
- Flood insurance comes with a waiting period
- How to work with a public insurance adjuster
- Beware scam artists in disaster's wake
Beth Buczynski is a writer at NerdWallet. Email: bbuczynski@nerdwallet.com. Twitter: @bethbuczynski.
The article 10-Word Answers to Your Biggest Hurricane Insurance Questions originally appeared on NerdWallet.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
