Wildfires
Does homeowners insurance cover wildfire damage in California?
Most standard policies cover wildfire damage to your home's structure, but specific coverage can vary depending on your insurer and location. It's important to check your policy for details.
Is smoke damage from wildfires covered?
Smoke damage may be covered under certain conditions as part of fire damage, but check with your insurer to confirm.
How do I prove wildfire damage to my insurer?
Document all damages with photos, videos, and a detailed list of affected property. Work with a professional to assess structural damage and ensure all evidence is gathered properly.
What if my insurance denies my wildfire claim?
If your claim is denied, you may appeal the decision. It’s important to understand the reasons for the denial and whether they align with your policy's terms. You may want to consult with a legal professional for advice.
Hurricanes
What's the difference between flood and hurricane insurance?
Flood insurance covers damage from rising waters, while hurricane insurance typically includes wind damage. Both may require separate policies depending on your insurer and location.
Does renters insurance cover hurricane evacuation costs in Florida?
Yes, most renters insurance policies include "additional living expenses" (ALE), which can cover costs such as hotel stays and meals during evacuation.
How high is a typical hurricane deductible?
The hurricane deductible typically ranges from 2% to 5% of your home’s insured value, depending on your insurer and location.
Does auto insurance cover hurricane flood damage?
Comprehensive auto insurance may cover flood damage caused by hurricanes, but check your specific policy for details.
General Coverage
What's usually excluded from standard homeowners insurance?
Common exclusions include damage from floods, earthquakes, and certain types of water damage, like sewer backups.
Can I get insurance right before a hurricane hits?
It’s generally difficult to get new insurance right before a hurricane due to waiting periods in most policies.
How quickly must I file a disaster claim?
It’s best to file your claim as soon as possible after a disaster. Insurers typically have specific timelines for claims submission, and delays can complicate the process.