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Wind damage from both tropical storms and hurricanes is covered under standard homeowners, renters and business insurance policies. Flood damage resulting from storm surge caused by hurricanes, is excluded under standard policies; however flood coverage is available from the National Flood Insurance Program (NFIP) and from a few private insurance companies.
Damage to cars from hurricanes is covered under the optional comprehensive portion of an auto insurance policy. This includes wind damage, flooding and even falling objects such as tree limbs. More than 75 percent of all Americans choose to purchase comprehensive auto coverage.
The following hurricane-related online resources are also available to reporters.
RESEARCH AND ANALYSIS
- Issues Update: Catastrophes – Insurance Issues
- Issues Update: Hurricane and Windstorm Deductibles
- Issues Update:
- White Paper: Residual Market Property Plans
FACTS AND STATISTICS
- Making Your Home More Hurricane-Resistant: Five Steps
- Are You Underinsured?
- Don't Be a
Dummy About Flood Insurance
- Filing a Homeowners Insurance Claim: Six Steps
- Disaster Planning with Pets
Home Inventory Software
The I.I.I.'s free mobile apps can help you create a disaster plan, learn about selecting the right insurance for your needs and budget, and create and maintain a home inventory. Learn more about our suite of apps here.
The I.I.I. has a full library of educational videos on its You Tube Channel.
THE I.I.I. IS A NONPROFIT, COMMUNICATIONS ORGANIZATION SUPPORTED BY THE INSURANCE INDUSTRY.