This post is dedicated to news, tips and resources for those impacted by Hurricane Harvey. For those not impacted by Hurricane Harvey, some of these resources and tips can help you prepare in the event that you are affected by a disaster.
To those affected by Hurricane Harvey, stay strong and know that the rest of America stands with you. If you want to help, the Texas Tribune has put together a comprehensive list of ways to help either locally or remotely (donations and so on): How to get (and offer) help after Hurricane Harvey.
Following are a few insurance tips that may help:
- If you live in area affected by Hurricane Harvey or otherwise need medications in an emergency, here’s How to Get Your Prescriptions During an Emergency: A pharmacist’s advice on managing your meds if you’re caught up in a disaster like Hurricane Harvey.
- Homeowners insurance does not cover flood damage from heavy rain. It’s estimated that nationwide, only about 12% of homeowners have flood insurance. So if you do not have flood insurance, disaster assistance may be available through grants from the Federal Emergency Management Agency (FEMA). These can help pay for temporary housing, emergency home repairs, uninsured and underinsured personal property losses and medical, dental and funeral expenses associated with the disaster. Apply online at www.DisasterAssistance.gov or call 800-621-3362 or (TTY) 800-462-7585, 7 a.m. to 10 p.m. seven days a week. FEMA’s Housing Assistance program is available, regardless of income, to anyone who has suffered damages or losses in disaster-declared counties. Aid for other losses such as personal property, vehicle repair or replacement, and moving and storage expenses is income-dependent. FEMA does not pay to return a home to its pre-disaster condition. FEMA provides grants to qualified homeowners to repair damage not covered by insurance, but these grants may not pay for all the repairs. An SBA disaster loan, on the other hand, generally provides the funds to fully repair a home. To be considered for a grant for these types of losses, the applicant must complete an application for an SBA loan.
- For those who have flood insurance, here’s What Flood Insurance Does and Does Not Cover. And here’s What Consumers Should Do to Get Fair Claims Payments in the Wake of Hurricane Harvey.
- The Texas Department of Insurance has information, resources, guidance (for insurers, agents and adjusters) along with key contacts on their website for Help after Harvey. The three steps listed apply to any homeowner related claim event: (1) call your insurance agent (or insurance company), (2) protect your home from more damage (your obligation) and (3) make a list of damage & take photos.
- Beware of scammers calling demanding immediate payment of past due premiums on flood insurance policies, offering assistance after receiving an insurance settlement or impersonating a charity, here’s How to Spot a Harvey Scam.
- United Policyholders is an insurance consumer non-profit that has a Roadmap to Recovery program and has a Hurricane Harvey Insurance Help page with key tips, self-help resources along with support resources.
- Certain insurance companies are extending renewal payment grace periods for policy owners impacted by Hurricane Harvey. Please check with your insurance companies website as this may apply to all types of insurance.
- Here is the Hurricane Harvey Loss Estimates Roundup as of 8/31/2017 broken down by Economic losses and Insured losses.
- It is recommended that you take photos of your possessions that are covered by insurance before a claim event. Some insurance companies have their own App or you can download the National Association of Insurance Commissioner’s (NAIC) App called myHome Scr.APP.book to help guide you.
As always, thank you for reading. Please share this article with those it may help. Have a nice weekend,
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