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.

While hurricane season still has a couple of months left for residents along the Atlantic coast, the threat is winding down. Historically, late summer is when you can expect the worst storms to hit so making it to October might have you breathing a sigh of relief. That might be especially true after watching the double-threat of Humberto and Imelda veer east rather than making landfall in the United States this week.

But don't fall for that false sense of security. There's still a risk of hurricane activity through at least the end of November. And this relatively quiet period is the prime opportunity to shore up any missing coverage in your home insurance and refresh your memory on how to make sure any claims you need to file get approved.

Here's what you need to know about what home insurance won't cover (and what they will) after a hurricane as well as what you need to do to make sure your home is fully protected.

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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