Do You Have Severe Weather Claim Questions?

Tree on Car_Cropped

If you have been affected by the recent severe weather, your safety is the most important thing to us. Put the first aid of your family and neighbors first, property second. Be very careful around any storm damage, downed power lines and contact emergency officials and your utility company right away if needed.




If the damage is to your property, you may have questions about what's next and if your damage is covered. These FAQs might help if you have similar concerns. Keep in mind, all policies vary and yours has specific coverage tailored just for you. Your independent agent is your best resource for more specific answers with your coverage in mind. 

We are also here if you need us. We'll be here around the clock from start to finish assisting our members. Depending on the impact of this event, we are potentially handling high volumes of claims. We appreciate your patience. You are important to us and we will be making every effort to assist each claim in a timely manner.

If you think you might have a claim here are first steps you can take:

  • Contact your local independent agent
  • Call our hotline and report your claim or make an online claim in our member center.
  • Make minimal temporary repairs to prevent further damage, take photos and/or videos
  • Document damage to property using your home inventory.
  • If your home is unlivable, find safe shelter with a friend, family member or hotel.
  • Keep all receipts for lodging, food, clothing, gas, and other necessities.
  • Do not make permanent repairs until approved by your claims adjuster
  • We don't recommend hiring repair companies that drive through your neighborhood
  • Hire only reputable, licensed and certified contractors
  • Discuss specific claim questions with your agent/claims adjuster


24/7 Claims Hotline: 1-877-968-7252

24/7 Roadside Assistance: 1-800-913-8847




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? 

Most severe weather damages to your car are covered if you purchased comprehensive coverage, minus your deductible. This coverage includes flooding.

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. It's best to speak with your independent agent.

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 here

My home is not livable?  What should I do? 

Report your claim first:

  • For car claims only: Northern Neck ClaimGo Auto App ( IOS or Android)
  • Online -car or home claims
  • Call our 24/7 Claims Hotline: 1-877-968-7252- car or home claims

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 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 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. Contact us anytime! Most of all, stay safe! Remember to never drive through flooded roads and stay away from flood water.


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