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What Does Home, Hurricane and Flood Insurance Cover?

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What Does Home, Hurricane and Flood Insurance Cover? Flood Insurance>>> Checklist>>> Flood insurance in the U.S. is carried by the • federal National Flood Insurance Program but Read your insurance policy can be purchased through agents or • Check your insurance coverage companies. • Consider whether you need more While flooding damage is common in a • Deal with licensed agents with hurricane, most flood damage is not covered by companies licensed to do hurricane insurance. When water seeps or business in Hawaii. rushes into a home or structure during a storm, • Take inventory of your belongings that is when flood insurance kicks in. (check out the scr.APP.book app) Homes in flood zones are required to carry • Make sure you have provisions flood insurance by their mortgage lenders. • Take precautions to secure your You may not be in a flood zone, but could home potentially face flooding. For example: if you • Track storms through the media live at the bottom of a cliff, large amounts of rain could flow into your home from an accumulation above. Visit FloodSmart.gov for more information. Hawai'i Insurance Division What does home, Find us on the web at: http://hawaii.gov/dcca/ins hurricane and The National Association of P.O. Box 3614 flood Insurance Commissioners created an Honolulu, Hawaii 96811 mobile app to help you with a home [email protected] insurance inventory. Check out : Department of Commerce and Consumer Affairs MyHome Scr.APP.book Insurance Division cover? What does my hurricane policy cover? What is hurricane off and heavy rains rains, flying debris, by hurricane then cause water What is home insurance? insurance?>>> strong winds and insurance. Hurricane damage. Hurricane insurance is a tidal surges. insurance is specific to A typical home insurance policy pays Your hurricane supplemental insurance wind-related claims for certain kinds of damage to The last hurricane to Hurricane insurance insurance policy to home insurance. It damage. If your home, garage and other covers wind-related hit Hawaii was Iniki does not cover will not cover on Sept. 11, 1992. strong winds water damage outbuildings. damage associated with of more than most instances of The category 4 that happens hurricanes. 75 mph flooding even hurricane caused when water Home insurance also covers liability for cause major damage to during a storm. comes into your Banks require damage to bodily injury and damage that you Kauai and parts of home or business from cause to others in, around and away homeowners to have your home, hurricane insurance as Oahu with winds up an overflowed stream from your home by negligence. It also your hurricane part of their mortgage to 160 mph. or rushing water from provides limited coverage for certain insurance covers the rains or storm surge. approval. Coverage >>> money, jewelry and collectibles. damage. It will cover You would need flood People are often you when your Hurricanes and tropical insurance to protect storms can bring heavy confused by what is home's roof is blown you then. Most home insurance policies will not or is not covered cover flood, hurricane and earthquake damage. A homeowner can seek additional coverage for those perils. One type of flooding that can be covered by comprehensive home insurance can be when there is a sewage back up or plumbing break. What should I do right now? >>> How many hurricanes have hit Hawai'i? >>> The number one thing you should do is go over your The last major storm to hit Hawai'i was Hurricane Iniki in 1992. The storm caused nearly $2 billion in damage to Kauai and home, hurricane and flood insurance policies. Don't Oahu. Kauai took the brunt of the damage. wait until after a disaster. That may be too late. Go Since 1959, three hurricanes have hit the state. Hurricane Dot hit Kauai in 1959. In 1982, Hurricane Iwa struck Kauai and through your policy so you understand what it Oahu. Other storms have brought heavy rains and damage. It can take just one major storm to cause severe property covers. You should also look at whether you feel you damage and loss of life. The Insurance Division urges you to be prepared. have enough coverage. .
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