Do You Have Severe Weather Claim Questions?
Severe weather events can be scary and destructive. In the aftermath, you may have questions about your home insurance coverage, or car insurance coverage, and the next steps to take. Your local agent is one of your best resources for sound advice and we are here for you too.
Safety and Family First
If you have been affected by the recent severe weather, your safety is the most important thing to us. We ask that you put the first aid and welfare of your family and neighbors first and your home insurance claims second. Be very careful around any storm damage or downed power lines, and contact emergency officials and your utility company right away if needed. Remember to never drive through flooded roads and stay away from floodwater.
If the damage is to your property, you may have questions about what to do first and what is covered by your home insurance. Our severe weather claims FAQs can help. Keep in mind, that all policies vary and yours has specific coverage tailored just for you. Your independent agent is your best resource for more specific answers about weather damage with your coverage in mind.
We are also here to help! When severe weather comes to Virginia, we're here around the clock, from start to finish, assisting our members. Depending on the impact of an event, we could be handling high volumes of claims. You are important to us and we will be making every effort to assist each claim in a timely manner. We appreciate your patience.
If you think you might have a claim here are the first steps you can take:
24/7 Claims Hotline: 1-877-968-7252
24/7 Roadside Assistance: 1-800-913-8847
For safety purposes:
- Shut off your home's main power or shut off your main water supply if needed.
- Take photos and videos before making minimal temporary repairs to prevent further damage.
- If your home is unlivable, find safe shelter with a friend, family member, or hotel.
- Begin major repairs once they are approved by your claims adjuster.
- We recommend hiring repair reputable Virginia licensed and certified home contractors.
For insurance purposes:
- Contact your local independent agent to start your claim.
- You may also report your claim on our 24/7 Claims Hotline or make an online claim in our member center.
- Take wide and close-up photos and/or videos of any damage.
- Document damage to your property using a home inventory.
- Keep all receipts for lodging, food, clothing, gas, and other necessities.
- Discuss specific claim questions with your agent and claims adjuster.
- If your car is flooded, call roadside assistance if needed (800-913-8847), take pictures, and report your comprehensive car insurance claim.
Frequently Asked Questions
Do I have Emergency Roadside Assistance on my auto policy?
Yes, all NNINS auto policies have 24/7 emergency roadside assistance. Call 1-800-913-8847.
Will my auto insurance policy cover damage to my car if a tree falls on it?
Does a homeowners policy cover flood damage?
Standard home insurance does not include flood coverage. However, if you have secondary water damage to your home due to a tree down on your house or roof damage, it may be covered. Speak to your independent agent to see what your policy covers.
I just went grocery shopping and I lost power. All my cold food is spoiled. Is my grocery bill covered?
Yes, with our homeowners enhancement endorsement. That's a fancy term for coverage that goes above and beyond. Take a picture of your refrigerator with the door open before you dispose of the spoiled food and hang on to your grocery receipt if possible.
What if my neighbor’s tree fell on my house, or my tree fell on my neighbor's property? Whose insurance pays for damages?
The short answer is- it's complicated. Both you and your neighbor should report the damage to respective insurance companies and allow the adjuster to review the claim. Learn more about what steps to take.
My home is not livable. What should I do?
Report your claim first. Call our 24/7 Claims Hotline: 1-877-968-7252 or your local agent.
Then, if it's safe, secure the premises such as boarding up windows, tarp your roof, etc. to prevent further damage. Take photos/videos of damage if possible. Communicate with your agent/claims adjuster for further instruction. Be sure to keep all receipts for temporary living space, gas, food, clothing, etc. Start preparing an inventory of damaged personal property. Do not discard any property until instructed by your claims adjuster and save all receipts and invoices.
We hope you haven't experienced damage but if you have, we'll help you get back on your feet. Most of all, stay safe!
Want to learn more about coverage options? Learn more about homeowners insurance in Virginia and how we can help you. We also have more blog posts about how to prepare for severe weather and how to prevent damage to protect yourself and your family.