Insurance coverage

Insurance coverage and hurricanes

SARASOTA, Fla. (WWSB) – Hurricanes can be a stressful time for homeowners and renters. Fortunately, insurance doesn’t have to be part of that stress.

ABC7 spoke with Janet Ruiz, director of strategic communications at the Insurance Information Institute, to find out what’s covered and how to prepare for the storm.

Insurance covers:

  • Damage from hurricanes and tropical storms are covered by different insurance policies, according to Triple-I.
  • Property damage caused by wind is covered under standard homeowners, renters and business insurance policies. Tenants insurance covers the tenant’s belongings while the landlord insures the structure.
  • Property damage to a home, tenant’s property, and business—resulting from a flood—is generally covered by a FEMA National Flood Insurance Program (NFIP) policy, if the landlord , the tenant or the company has purchased one. Dozens of private insurers also offer flood insurance.
  • Passenger vehicles damaged or destroyed by wind or flooding are covered by the optional full portion of an automobile insurance policy. Nearly 80% of US drivers choose to purchase comprehensive coverage.

Tips for preparing for hurricanes before the storm:

  • Use your smartphone to take photos of your belongings, important documents and your home
  • Save the number and information from your insurance company’s website or mobile app
  • Take photos of any damage when you get home
  • Keep receipts for any additional living expenses incurred during a mandatory evacuation
  • Keep receipts for any temporary repairs you need to make
  • Contact your insurer immediately to start the claims process (mobile app, website, phone)