Comprehensive insurance covers damage to your vehicle caused by something other than an accident, like a hurricane. If you want your auto insurance company to cover any damage to your vehicle after a hurricane, you'll need collision and comprehensive coverage.
Understanding Your Car Insurance Policy
If you have comprehensive car insurance, it will likely cover your car if it gets flooded after a hurricane. Comprehensive insurance is not required by law, but it insures your car against damages sustained in circumstances other than a collision with another vehicle. Drivers with comprehensive auto insurance are covered for hurricane damage. Comprehensive coverage pays for the damage done to your vehicle from events out of your control, including storm damage, hail, wind, floods, and lightning. If your vehicle is damaged by flash flooding, falling branches, or high winds during a hurricane, your comprehensive car insurance policy will likely cover the repairs.
Does Car Insurance Cover Hurricane Damage?
Yes, comprehensive coverage can provide financial protection if your vehicle is damaged in a hurricane. Water damage – Comprehensive auto insurance will cover most instances of vehicle flooding and damage during a hurricane.
Damage your vehicle sustains in a hurricane is covered by comprehensive coverage. This applies to policies from most insurance companies, in most states.
Drivers with comprehensive auto insurance are covered for hurricane damage. Comprehensive coverage pays for the damage done to your car by events such as hurricane-force wind gusts.
Your car insurance policy won't cover hurricane or flood damage to your car. Liability insurance is designed to take care of damages you might cause to someone else in an accident, not to repair or replace your own vehicle.
If you have a comprehensive insurance policy, you're probably covered in the event of a hurricane. These violent storms with high winds can affect coastal areas as well as inland regions hundreds of miles from where they make landfall.
However,
What Should You Do After a Hurricane?
If you vehicle is totaled by storm damage, but you don't have comprehensive insurance, you will likely have to pay for repairs out of your own pocket. Water damage is the most common type of hurricane damage, so it's important to make sure you have comprehensive coverage on your vehicle if you live in an area that is prone to hurricanes. Your first step after a hurricane is to contact your insurance company and inform them of the damage.
They will review your insurance policy and let you know what type of coverage you have and how much they will be able to reimburse you for repairs. To be fully covered from hurricane damage, you'll need to have comprehensive coverage on your vehicle; Hurricanes can cause more than just flooding - consider wind damage as well. Take photos and/or videos after the storm of the damaged property, including recording any damaged personal belongings. This will help support your claim when filing with your insurance company.
Steps to File a Claim for Hurricane Damage
The first step to filing a claim for hurricane damage is to contact your insurer and start documenting the damage right away. It is important to have a list of everything that has been damaged and what kind of damage was sustained. Your insurer will want you to make temporary repairs, such as putting up plywood over broken windows, to prevent further damage.
Once you have reported the claim to your insurance company, they will send an adjuster to assess the damage. The adjuster will determine how much the insurance company will pay for the repairs. If you have comprehensive coverage, your car insurance will cover hurricane damage. However, if you only have collision coverage, your insurance company may only pay for damage caused by wind or rain.
If you have flood damage, it is important to know that this type of damage is not covered by most auto insurance policies. You would need to purchase a separate flood insurance policy in order to be covered.
How to Protect Your Vehicle from Hurricanes
Water damage - Comprehensive auto insurance will cover most instances of vehicle flooding and damage during a hurricane.
To be covered from hurricane damage, you'll need to have comprehensive insurance on your vehicle; Hurricanes can cause more than just flooding - they can also damage your car with high winds and debris.
Comprehensive car insurance covers hurricane damage if your car is damaged by flash flooding, falling branches, or high winds.
It's important to keep careful documentation if you have an insurance policy on your vehicle and it gets damaged in a storm. You will need this documentation for your insurance company.
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