Recovering from Hurricane Florence: After the Storm

You weathered the storm, but sustained damage to your home or car. Contact your insurance agent to file a claim. Be patient as insurance companies may be handling a large volume of claim requests. Take pictures, make notes and protect your property from further damage. Depending on the circumstances, an adjuster may come and view the damage. The adjuster may be able to write you a check on the spot to cover the losses.

House Damage

Homeowners insurance typically covers damage from wind, falling trees and flying debris that breaks windows. If your home is uninhabitable, most homeowners or renters policies pay additional living expenses while your property is being repaired. Check with your agent or insurance company to determine what expenses will be reimbursed and save your receipts. Most homeowners insurance policies do not cover flood damage. Flood insurance policies, available through the National Flood Insurance Program or other carriers, do cover flood damage.

Most insurance companies will make the claim check payable to you and your mortgage company if you have a mortgage on your property. If your mortgage is with SECU, take the check to your local branch. They will be able to release a portion of the funds to secure your home and begin repairs. Additional funds will be released as needed to complete the repairs.

Recovering from Hurricane Florence – The Road Back »

Automobile Damage

If your vehicle is damaged or totaled by the storm, your insurance company may cover damages if you had Comprehensive Coverage. If the vehicle can be repaired, the insurance company will work with you and the repair facility to have the vehicle fixed. If the vehicle cannot be repaired, the check for the value of your vehicle will be made payable to you and your lender if you have one. If you have a loan on your vehicle and you have Guaranteed Asset Protection (GAP) contact your lender to file a GAP claim. If you financed your vehicle with SECU, please contact your local branch for questions regarding this process.

Disaster Assistance may be available. Check FEMA.gov for more information.