Florence Aftermath: What to Do After a Hurricane

Tree fallen on house and car after hurricane.
Take photos of the storm damage, and file an insurance claim as soon as possible.

Insured losses resulting from Hurricane Florence total an estimated $5 billion, according to the global risk modeling firm RMS.

“Wind damages are forecast to range between $1.3 billion and $2.6 billion, with storm-surge and inland flooding damages expected to total between $700 million and $1.2 billion,” MSNBC reports. “The company’s estimates also include losses to the National Flood Insurance Program, which is expected to lose between $800 million and $1.2 billion.”

Uninsured losses also are significant, with overall economic loss between $6 and $11 billion, according to RMS.

Hurricanes wreak havoc because they combine two of nature’s most damaging forces: wind and water. If you live on or near the coast, your best defense against hurricane damage is to make sure you have the proper home insurance coverage and know what to do to support your claim after a storm.

Now, for Florence survivors picking up the pieces in the storm’s aftermath, it’s time to review insurance coverage.

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  1. Very helpful tips, however; I wouldn’t file an insurance claim unless the total damages were really, really severe. If you decide to file a claim, your insurance premium will most likely increase, so make sure it’s worth it.

  2. Our summer home was totally destroyed inside and the roof by a hurricane. We did have water damage insurance too. But, people keep saying well you will never get that home covered again by your insurance? Just curious – we have been covered by this same insurance for multiple years on all our vehicles, homes, etc. What is the general rule on this? Can they refuse to cover you again?

  3. We filed 2 claims in one year. One caused from weather and one from our neighbors home catching fire.. So after 25 years with the same company they dropped us!!!!


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