Do you know if your car insurance will cover any damage when a hurricane hits your area?
While every claim is different, the key is getting the right coverage for your policy, according to Matt Christopher, vice president of claims and joint services at Clearcover Insurance.
“It is important that you speak to your insurance company or your independent agent,” he said. “You want to make sure you have the proper coverage to cover these events.”
Many coverages can be applied to weather-related damage such as hurricanes; Rock star them comprehensive coverage.
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“The things that come with hurricanes, like winds,” Christopher said. “The wind will destroy the branches and damage your vehicle. Then your comprehensive matters will come into play.”
Christopher adds that coverage also applies to damage caused by floods, hail and heavy rain.
You’ll likely pay a deductible — an amount you’ll owe with comprehensive coverage.
“It’s basically sharing the risk with the insurance company,” Christopher said.
Here’s what to do after your car is flooded
Another coverage that could really play a role with tornadoes is collisions.
“Think of hurricanes, there’s a lot of rain, and they can muddy the roads, and you can lose control,” Christopher said. “You could hit another vehicle, a tree or a rock. That’s where hitting comes in.”
And just like all inclusive, there is a deductible associated with collision, and you will be responsible for paying for your own coverage to start working.
What do you do after a hurricane?
Not all water damage is covered, and every claim will be different, Christopher said. While most insurance policies do not cover intentional acts, it is best to speak with your insurance company or professional.
“Make sure you get the right coverage because preparation is so essential,” Christopher said. “You need to get that coverage before a storm hits.”
Christopher said insurance companies can’t provide retroactive coverage after a storm, so you should be prepared before hurricanes make landfall.
It can be difficult and dangerous to drive during strong winds and storms with heavy rain and flooding.
An important tip is to keep a safe distance from other vehicles, especially long vehicles, such as trucks that can be pushed or flipped by strong winds. If you are coming off a highway and waiting for the storm to pass, be sure to park away from trees, power lines, and any objects that might fall on your car.
Is property that could be damaged by a hurricane? This is what you should do
Rain can cause aquaplaning when your car skids off the road, leaving you less in control. according to AcceptableIt is an online educational platform and resource for drivers, and it only takes six inches of water on the road for your tires to lose traction and slip out of control.
A foot of standing water causes most vehicles to float, leaving you unable to steer or brake. Two feet of water can hold large vehicles, such as pickup trucks and SUVs, and even damage your car’s engine, known as a hydrolock.
Therefore, always avoid driving in standing water and get out of your vehicle immediately if you get stuck.
Auto insurance helps reimburse you for repairs, but it won’t save your life.
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