Hurricane Insurance Claims: 10 Things You Need to Know

When filing a hurricane insurance claim, know what's covered, what isn’t and how to get the most out of your policy.

As each year seems to break the previous year's record for the number and intensity of hurricanes to hit the United States, homeowners are increasingly learning the hard way what hurricane insurance does and does not cover. Eight of the 11 costliest natural disasters in U.S. history have been hurricanes. They have a wide range of impact that makes them so destructive, with risks including floods, high winds and storm surge.

A big part of picking up the pieces in the aftermath of a storm is making hurricane insurance claims, which includes looking at both what home insurance covers and your type of auto insurance. Dealing with filing may be the last thing you want to do as you manage home repairs and the emotional costs of damage, but it's vital to help you out.

Of course, one of the key points is to make sure your insurance coverage is up to date before a storm hits, which may mean finding the best policy with the cheapest home insurance to save on costs. Here’s how to get the money you deserve from your insurance company and ways to make the most of other assistance to fill in the gaps.

Rachael Green
Personal finance eCommerce writer

Rachael Green is a personal finance eCommerce writer specializing in insurance, travel, and credit cards. Before joining Kiplinger in 2025, she wrote blogs and whitepapers for financial advisors and reported on everything from the latest business news and investing trends to the best shopping deals. Her bylines have appeared in Benzinga, CBS News, Travel + Leisure, Bustle, and numerous other publications. A former digital nomad, Rachael lived in Lund, Vienna, and New York before settling down in Atlanta. She’s eager to share her tips for finding the best travel deals and navigating the logistics of managing money while living abroad. When she’s not researching the latest insurance trends or sharing the best credit card reward hacks, Rachael can be found traveling or working in her garden.

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