High wind from a hurricane can damage your roof, siding and personal belongings. Your insurance policy typically covers the cost to repair damage caused by a hurricane. However, you may have a higher deductible for wind and hail damage on your primary property policy than you do for other types of claims. Check your policy to see what’s covered and the deductible you’ve chosen. If you’re uncertain, ask your local Safeco agent to review your policy and explain the details to you.
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Severe winds from a hurricane can down electric lines, telephone poles and trees. Heavy rain can cause water damage and flooding. If a hurricane has been through your town or neighborhood, be careful. Take some precautions by following these tips:
Make Personal Safety Your First Priority
Check for Damage
Drive with Extreme Caution
When it’s safe to do so, call us as soon as you can.
Be ready to provide the following:
Be prepared to provide as much detail as possible about damage caused by the hurricane. If you’re able to take photographs and videos of the damage, they can be extremely helpful to the claims process. Owner’s manuals, serial numbers and credit card statements can also be used to help document personal belongings that may have been damaged, lost or stolen.
We will do our best to contact you within 72 hours after you file your claim to discuss what happens next. If you experienced serious hurricane damage, we will make every effort to get to you first.
Safeguard Your Home and Car
Water is a major cause of damage after hurricanes. The longer your house is exposed to water, the more damage you’ll see to your roof, ceiling, walls and floors, as well as any personal belongings inside. After the storm has passed, it’s important to dry out any water damaged inside your home. Open windows and doors to allow air to circulate and speed up the drying process.
Hurricane Damage to Your Home
Hurricane Damage to Your Car
Get Your House Repaired
Please wait until a claims adjustor assesses the hurricane damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.
Get Your Car Fixed
Car damaged in a hurricane? Learn about the auto claims process to know what to expect from insurance car repairs.
While Your Home is Being Repaired or Rebuilt
If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will pay for additional living expenses, typically for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.
To Upgrade or Not to Upgrade
Safeco will replace damaged items and materials with the same type and quality of materials you had before the hurricane. For example, if you had a fiberglass roof, we will pay to repair or replace the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.
Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.
Download a printable version of this information.
Your Safeco home insurance policy does not cover flood damage. If you purchased a policy through the FEMA National Flood Insurance Program, contact your agent to file a claim for flood related damages.