Does Car Insurance Cover Hurricane Damage?

Car insurance coverage for hurricane damage depends on the specific types of insurance included in a policy. Understanding these distinctions is important for vehicle owners, particularly those residing in areas susceptible to severe weather events.

Comprehensive Coverage and Hurricane Damage

Comprehensive coverage is typically required for a vehicle to be covered against hurricane damage. This coverage protects against damages not resulting from a collision with another car or object. It is distinct from liability coverage, which covers damages caused to others, and collision coverage, which addresses damage to one’s own vehicle from an accident.

Comprehensive coverage applies to a wide array of hurricane-related incidents, including damage from strong winds, falling debris, and water damage from heavy rainfall, rising floodwaters, or storm surge. Without comprehensive coverage, a policyholder is responsible for the full cost of hurricane-related repairs or replacement. Comprehensive coverage is optional and not usually included in basic policies, though it may be required by lenders if a vehicle is leased or financed.

Steps to Take After Hurricane Damage

After a hurricane, prioritize personal safety. Do not attempt to start a vehicle that may have been submerged in water, as this could cause further damage. Once it is safe to approach the vehicle, thorough documentation of all damage is crucial for the insurance claim process.

This documentation should include clear photos and videos taken from multiple angles, capturing both wide shots and close-ups of specific damages. Create a detailed list of all visible issues, such as water intrusion, dents, or broken windows. Promptly contact your insurance provider to report the damage, providing them with the gathered documentation and policy information. Avoid making permanent repairs until an insurance adjuster has assessed the damage, though temporary fixes to prevent further deterioration are generally permissible. Cooperate fully with the assigned insurance adjuster.

Pre-Hurricane Preparations for Your Vehicle

Before a hurricane, proactive measures can help protect a vehicle and streamline potential insurance claims. Review your existing insurance policy to confirm the presence and specifics of comprehensive coverage. This is important because insurers often implement moratoriums on selling new policies or updating active ones once a hurricane is approaching.

Documenting the vehicle’s pre-storm condition with photos and videos can serve as valuable evidence if damage occurs. Securing the vehicle in a safe location, such as a garage or a public parking structure on higher ground, can mitigate potential damage from wind-blown debris or flooding. If a covered parking space is unavailable, parking away from trees, power lines, and other potential hazards is advised. Additionally, having essential insurance information, including policy numbers and contact details, readily accessible in a waterproof container can prove helpful in the aftermath of a storm.