Hurricane Home and Car Insurance FAQS

By Nancy B
August 28, 2021

Do you have questions about your home insurance coverage for hurricanes? While this article will provide some general answers to frequently asked questions, it's important to remember that every policy can differ based on individual coverage choices. That's why it's best to call your local independent agent if you have a question about your home insurance or car insurance before a big storm is forecasted. Our local agent partners provide valuable insight into your specific situation and insurance choices.


Proper home preparation is the key 

We are experts at helping you prepare your house for a hurricane. Start by making sure your neighborhood's storm drains, home gutters, downspouts, and extensions are free from blockages and won't prevent large amounts of rainwater from properly draining.  Bring in home yard items such as trash cans, toys, tools, and planters, and secure furniture and a grill that may get damaged or cause damage. 


Can rain water freely drain

Prepare for an insurance claim

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 a home or car insurance claim. We'll be 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.

Put safety first when a hurricane hits

We want to encourage you to put your safety and your family's safety above all. If you're preparing for a possible hurricane, use our interactive Hurricane Preparedness Guide to access informational links to 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.

Hurricane Claims Hotline: 1-877-968-7252
24/7 Roadside Assistance: 1-800-913-8847

What should you do immediately after hurricane damage?

Take these steps following damage to your home:

  • 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, and 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 door-to-door contractors visiting your neighborhood.
  • Hire only reputable insured and licensed contractors.
  • Discuss claim questions with your agent/claims adjuster.


Hurricane coverage FAQs

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 after you pay your deductible. This coverage also includes flooding to your car.

How does home insurance cover hurricane damage?

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. Learn more about the difference between flood insurance and Inland Flood Coverage. Home insurance may pay for water damage to your home from a hurricane if it results from other damage such as a tree falling on your house. 

Does my neighbor's insurance pay for repairs if their tree falls on my house? 

We often are asked this question and we have answers! The short answer is you and your neighbor should report the damage to each of your insurance carriers and allow the adjusters to review the claim. 

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

Call your local insurance agent and 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 a home inventory of damaged personal property. Hold onto any damaged property until instructed otherwise by your claims adjuster.


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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