Be Sure To Review Your Insurance Policies Before a Hurricane Strikes

Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)
No long forms · No spam · No fees
Why you can trust Jerry
Jerry partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more baout how we make money, review our editorial standards, reference out data methodology, or view a list of our partners
Hurricane season lasts from June 1st to November 30th every year. And every year, storms leave devastation in their wake. Hurricanes are traumatic and tragic events. They can also be very costly. 
Make sure you’re properly covered by insurance so you can avoid financial hardship in case a hurricane sweeps over your home.
A woman reviewing documents
Reviewing your insurance policies isn’t exactly exciting, but it can save you a huge headache.
 

What sort of damage do hurricanes cause?

Hurricanes result in many dangers that are potentially lethal.
Risks include heavy rain, high winds, storm surges, and falling objects everywhere. Floods cause water damage and are also much deadlier than one might expect. 
According to CNN, Hurricane Ida passed through multiple states, leaving behind many tragic casualties. Many homes have been destroyed, and countless cars have been totaled. 
Stay informed of a hurricane’s progress when it’s passing by, and remain alert even when it’s gone. Natural disasters tend to echo with waves of destruction even when you think they have passed. 
Adequate insurance is crucial to recovering financially after a hurricane has hit. 

What insurance covers hurricane damage?

There are a number of insurance policies you should review that can help with natural disasters. 
According to the Insurance Information Institute, you should first make sure you have adequate homeowner’s insurance coverage.
The good news is that standard homeowners insurance tends to cover damage by disasters including hurricanes, storms, and more. However, when reviewing policies, you should look for a policy that covers enough so that you can rebuild your home in case of a total loss.
Take note of the hurricane deductible as well to make sure it’s an amount you are comfortable with.
If you anticipate hurricanes and/or flooding, you must get a separate flooding policy! Flooding damage to homes isn’t covered by the typical homeowner’s insurance.
It’s also a good idea to do an inventory of your home’s belongings and their value. That way you can speed up the insurance claims process and have it be more accurate as well. 
If you rent a home, know that you need a renters policy to protect your possessions against loss/damage, as the landlord will only cover the home’s physical structure.
Sometimes, hurricanes result in the need to relocate. If you need to resituate yourself, make sure your insurance covers additional living expenses (ALE). This is important because ALE covers things like hotel bills, restaurant expenses, and more. 
Take note of the ALE amount of the policy you’re reviewing, as the recommended limit will vary based on where you live due to differing costs of living.
As for vehicular insurance, make sure you have comprehensive coverage, which typically covers hurricane damage, including water and flood damage, as well as total losses. Again, review the deductibles to make sure they are reasonable. 

How do you get the most comprehensive coverage?

If you’re looking for a comprehensive coverage insurance policy that covers hurricane damage, Jerry is here to help. 
Jerry knows how stressful insurance shopping can be, especially when you’re worried about significant injuries and financial loss. To make it as stress-free as possible, Jerry does the whole process for you. 
As a technology-powered personal insurance shopper, Jerry uses AI to automate the car insurance comparison process, which makes it easy for you to compare and buy while saving money. 
Jerry can also cancel your old policy for you. It saves the average user $879 a year.

Compare Car Insurance for Your Car

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free