Weather

Hurricanes Harvey and Irma: Insurance FAQs

In the aftermath of Hurricane Harvey and Hurricane Irma, policyholders may have questions about how insurance works following a natural disaster. Here are some answers to many of these common questions.

Health safety following a flood

Cleaning up after a flood can pose health risks. You and your family should wait to re-enter your home until professionals tell you it is safe, with no structural, electrical or other hazards.

Before you start cleanup activities, contact your insurance company and take pictures of the home and your belongings. Remember, drying your home and removing water-damaged items is your most important step for preventing mold damage.

 

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Infographic: How to file a flood insurance claim

Experiencing a flood is never pleasant. However, there are things that you can do to make the claims process run more smoothly and efficiently.

What is El Niño?

The weather phenomenon known as El Niño—meaning the little boy or Christ child in Spanish—has been much in the news of late as it continues to impact weather patterns across the United States. The weather extremes it brings can affect homeowners and business owners as well as the insurance companies that protect them.

El Niño conditions are typically experienced every two to five years. Here is what causes the weather phenomenon.

 

Infographic: Is your business ready for peak hurricane season?

Crucial steps businesses can take to protect both their facilities and finances in the event of a natural disaster.

 

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Infographic: This hurricane season, lock in peace of mind

 

Hurricane season insurance checklist

You probably make a checklist for performing home repairs, a shopping list before hitting the grocery store, or perhaps a to-do list for work assignments—but do you have a checklist for your hurricane season coverage? This handy guide will make it easy to be sure you’re well-prepared in case a storm comes your way.

Does my business need flood insurance?

Natural disasters can be devastating to businesses. While damage caused by some types of natural events—such as lightning or wind—will usually be covered by commercial property insurance, you need a special policy if you want protection from flood damage. This Q&A will help you understand this type of coverage and determine if your business needs it.

 

Frequently asked questions about flood insurance

Q.  Does my commercial property insurance include flood coverage?

Insurance for landslides and mudflow

Aside from the danger of flooding, heavy rainfall can also lead to mudflow, basically creating a river of mud; and landslides, which are caused by the movement of the destabilized land—due either to gradual erosion or an accumulation of water.

Don’t confuse mudflows with mudslides as there are distinct differences.  Mudslides occur when a mass of earth or rock moves downhill, propelled by gravity. They typically don't contain enough liquid to seep into your home, and they aren't eligible for flood insurance coverage. In fact, mudslides are not covered by any policy.

Hurricane and disaster preparedness

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Jeanne Salvatore gives the four basic steps to take to prepare for hurricane season and other potential disasters.


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