Hurricane and Home and Car Insurance FAQS

Do you have a question about your insurance coverage or a claim related to hurricanes? While this article will provide some general answers to frequently asked questions, it's important to remember that every policy is different based on individual choices for coverage. If you have a question about your home insurance or car insurance coverage, call your independent agent or contact us. We're happy to assist you.

We want to encourage everyone to put your safety and your family's safety above all. If you're preparing for a possible hurricane, use our Hurricane Preparedness Guide to access the most reliable resources in Virginia.  Also, be sure to have a family plan, get to know your neighbors, and check in on each other. Our Virginia communities are resilient and can weather the effects of any big storm together. Connect with us on Facebook, Twitter, and Instagram for real-time helpful information and tips.


Proper home preparation is the key. 

Start by making sure your neighborhood's storm drains, home's gutters, downspouts, and extensions are free from blockages and won't prevent large amounts of rainwater from properly draining.  Bring in yard items such as trash cans, toys, tools, and planters that may get damaged or cause damage from wind. Also, be sure to check the trees around your home.


Can rain water freely drain


Prepare for a claims scenario.

We always recommend that you have a personal home and property inventory. If it's last minute, snap a picture of each room of your home, basement, garage, and refrigerator contents. Your homeowners policy may cover the cost of the food lost in your fridge if you experience an extended power outage.




We are ready to help you with any claim. And remember, if you have an auto policy with NNINS, you have 24/7 roadside assistance. We're here around the clock from start to finish assisting our members. Depending on the impact of a major storm, we can potentially be 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 promptly.

To keep you and our Claims Team safe, we are taking essential precautions around COVID, such as PPE and social distancing in our claims operations. Our claims services remain fully operational, and you can expect excellent local service as always. 

If you think you have a claim:
  • Contact your local independent agent.
  • Call our hotline and report your claim or make an online claim through your online member account.    
  • Make minimal temporary repairs to prevent further damage, take photos and/or videos.
  • 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.
  • Save permanent repairs for approval by your claims adjuster.
  • We don't recommend hiring repair companies that drive through your neighborhood.
  • Hire only reputable contractors.
  • Discuss claim questions with your agent/claims adjuster.
Hurricane Claims Hotline: 1-877-968-7252
24/7 Roadside Assistance: 1-800-913-8847



How are you taking measures to protect my family and me from coronavirus if I need an in-person inspection?

Our adjusters may do exterior property inspections outside the home with member permission. Our property adjusters follow CDC Guidelines, including social distancing and following sanitation guidelines. If a material damage claim requires on-site estimates, our appraisers will follow the same CDC guidelines.

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 car insurance cover damage to my car if a tree falls on it?

The damages are covered if you purchased comprehensive coverage, less your deductible. This coverage also includes flooding to your car.

What hurricane damage does home insurance cover?

Your home insurance coverage typically covers damage to your home and personal belongings from wind, water damage, tornadoes, lightning, trees, and hail. Hurricanes are considered "named storms." You may have a named storm deductible for a claim. That information is located on your policy documents.

Does a homeowners policy cover flood damage?

No, homeowners policy excludes flood coverage

If my neighbor’s tree falls on my house, does their insurance pay for my damages? 

You and your neighbor should report the damage to respective insurance companies and allow the adjuster to review the claim. You can read more here.

What if my home is not livable? What should I do? 

Report your claim first. Take photos/videos of damage if possible. Then, if it's safe, secure the premises or hire a professional to make temporary repairs such as boarding up windows, tarping roof, etc., to prevent further damage. 

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 don't experience damage from a hurricane this year, but if you do, we'll help you get back on your feet. Most of all, stay safe! Never attempt to drive through flooded roads and stay away from floodwater. Be safe, Virginia!

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