The 6-month-long Atlantic Hurricane Season began June 1, but peak activity for Connecticut and the rest of New England is now – mid-August to mid-October.

Hurricanes aren’t just a coastal threat. The heavy rains of a hurricane can lead to significant flood damage even in areas not usually affected. Flooding is one of the most common and costly risks we face, but standard homeowners, renters, and business insurance policies do not cover flood damage.

Review Your Policy for Coverage and Deductibles

Are you prepared to protect what matters most? Before a storm hits, review your homeowner’s, renter’s or condo policy to understand what the policy covers and what it doesn’t..

It’s also important to know if your policy has a wind or hurricane deductible, which are generally calculated based on a percentage of the home’s insured value. If you’re not sure, call your agent or check the declaration page on your policy. The declaration page is generally the first or second page of your policy and shows the kinds and amounts coverage you have and what your deductibles are.

Hurricane deductibles can only be applied in certain circumstances related to the storm. Generally, an insurer may impose a hurricane deductible when a hurricane warning is issued in any part of the state and has maximum sustained winds of 74 mph or more.

After the Storm

After a storm, the Connecticut Insurance Department can help you by:

• Keeping you connected with your insurer
• Working with emergency teams to get insurers into affected areas quickly
• Helping speed up claims so you can recover faster

For more information about hurricane preparedness and flood insurance, please visit the CID’s Be Prepared Information Center.

Need Help or Have Questions?

We’ve got your back! Call us at 860-297-3900, email insurance@ct.gov or visit our Insurance Department Website.

Contact CID Communications: cid.news@ct.gov