Hurricane Season started June 1, and we’re sharing some resources to help you weather future storms. Most of us have been impacted by a severe storm at one point or another in our lives, and while even the best meteorologists can’t predict when, where, how, or if one will strike, we all can do more to protect ourselves ahead of the storm.
Please stay tuned to your local government agency websites and news channels for additional information.
“A Disaster Recovery Plan,” by REALTOR® Mag
American Red Cross (Get Help page)
Register for Federal Assistance
FEMA Disaster Assistance
- The federal government offers insurance for direct flood and flood-related damage under the National Flood Insurance Program (NFIP).
- Homewners insurance policies do NOT cover flood or rising water damage.
- Some mobile home policies do provide flood coverage; check with your insurance agent or company to see if you’re covered.
- Some auto insurance policies may cover damage to your vehicle; check with your insurance agent or company to see if your vehicle is covered.
- Regulatory authority over NFIP flood insurance policies rests with the Federal Emergency Management Agency.
If I have storm damage, what should I do?
- Contact your insurance agent or company as soon as possible to arrange a visit from an adjuster.
- Before doing any repairs to your home, photograph and make a list of the damage.
- Protect your home from further damage by making temporary repairs only. Save any receipts for materials purchased for temporary repairs.
- Do not have permanent repairs made until your insurance company has inspected your property, and you have reached an agreement on the cost of repairs.
If you HAVE flood insurance:
- Contact your insurance agent or company to file a claim.
- Document your damaged property.
- File a Proof of Loss with your insurer within 60 days of the flood.
- Call the NFIP Call Center at 888-379-9531 for questions and assistance.
- Helpful information and policyholder resources are available on the NFIP Flood Smart website.
If you DON’T have flood insurance:
- Call the FEMA Helpline at 800-621-3362 to apply for individual assistance and explore resources in your area (or visit DisasterAssistance.gov).
How can I avoid being a victim of a scam?
- Always deal with licensed insurance companies, agents and adjusters.
- Do not sign any blank application or claims forms.
- Don’t pay in cash for repairs; keep all your records and proof of payments.