10 Things to Know About Hurricane Insurance Claims

Know what's covered, what isn’t, and how to make the most of your policy if you need to file a claim.

photo of hurricane force winds
(Image credit: Getty Images)

Eight of the 10 costliest natural disasters in U.S. history have been hurricanes, and while numbers for Hurricane Ian are preliminary at this point, there's a good chance it will join this grim list. 

If your home has been affected by a hurricane, you can learn a lot from the experiences of past victims of natural disasters who had to assess the damage, contact their insurers, and start on the long process of physical and financial recovery after recent record hurricanes. 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.

Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.