Hurricanes: Insurance and Recovery Resources

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Following a hurricane or other disaster, getting back to normal can take some time. To assist in the recovery process, the Triple-I has compiled useful information around post-disaster safety and insurance coverage questions, with detailed guidance on how to file a claim. In addition, resources specific to Alabama, Florida, Louisiana, Mississippi and Texas affected by recent storms are included.

Hurricane Sally is now expected to result in damage totals between $8 billion to $10 billion, far more than the initial estimates of $2 billion to $3 billion, according to Chuck Watson of Enki Research.

Safety and resources for recovery

Following a hurricane, new perils brought by the storm can pose risks. And if you have evacuated, it might not be safe to go back home. The following articles provide information and guidance to keep you and your loved ones safe in the aftermath.


After a hurricane, beware of the dangers that remain

When disaster strikes: Preparation, response and recovery

Health safety following a flood

Recovering from a flood

Catastrophe-related fraud

What does insurance cover?

In the aftermath of a hurricane or natural disaster, policyholders may have questions about the insurance process, including what is covered and what isn’t. Here are some answers to many of these common questions about home, auto, flood and other coverages.


Hurricane insurance FAQ

What is covered by standard homeowners insurance?

Renters insurance

Co-op or condo insurance

Mobile home insurance

Basic auto insurance

Boat insurance

How does flood insurance work?

Business insurance and flooding: Q&A

Environmental liability insurance

Spoiled food


After a disaster, you want to get back to normal as soon as possible, and your insurance company wants to help. You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here’s what you need to know about claims payments, including how to file a claim, what to expect during the process, and detailed explanations of what hurricane deductibles are, and how they work.


Understanding the insurance claims payment process

How to file a homeowners claim

Hurricane deductible backgrounder

Understanding your insurance deductibles

Infographic: Hurricane deductibles

Ordered to evacuate due to hurricane Laura? You might have insurance coverage for additional living expenses

How is the settlement amount determined?

Infographic: How to file a flood insurance claim: Tips from FEMA

What is a public adjuster?

Video: Additional Living Expenses


Additional Resources

Many national organizations and ones in your state may offer resources for recovery that are helpful to you. The following is a general list, followed by specific resources for those affected by Hurricane Laura in Louisiana and Texas.

Frequently asked questions about FEMA disaster assistance

FEMA Helpline: 1-800- FEMA (1-800-621-3362)

TTY 1-800-462-7585

711 or Video Relay Service (VRS) 1-800-621-3362

SBA Disaster Loans & Grants

Institute for Business & Home Safety

Red Cross: Hurricane safety checklist


Local resources and insurers

Florida resources:

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