How to navigate insurance claims, post-Hurricane Harvey

Personal Finance


Even if you don’t have flood insurance (only about 12 percent of homeowners do), call your home insurer, said Peter Kochenburger, deputy director of the Insurance Law Center at the University of Connecticut School of Law. Homeowners policies specifically exclude damage related to flooding, but water and wind damage are separate issues. (For example, you could be covered for water damage resulting from wind damage to the roof, or a flying tree branch that broke a window, he said.)

“Don’t assume you don’t have coverage,” he said.

Auto: The comprehensive portion of your auto insurance typically would cover flooding and other storm-related damage, up to the vehicle’s market value, Worters said.

Travel: Texans currently traveling should reach out to their travel insurance provider, if they bought a policy for their trip. The “trip interruption” portion could kick in for policyholders who need to cut short their travels due to the hurricane damaging property, said Megan Singh, project management director for insurance marketplace Squaremouth.

“They could actually be covered to return home,” she said — including the cost of a new flight and reimbursement for hotel nights and other prepaid expenses left unused as a result of the shortened trip.



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