Before the Storm
Review Your Insurance Coverage
Before a storm threatens Connecticut, review your homeowners, renters, or business insurance policy to understand:
- What types of damage are covered
- Your deductibles, including any separate windstorm or hurricane deductibles if applicable
- Whether your coverage includes additional living expenses if you are unable to stay in your home
- Whether you have enough coverage to repair or rebuild your property
Remember: Flood damage is generally not covered by standard homeowners insurance policies. Flood insurance is available through the National Flood Insurance Program (NFIP) and private insurers.
Learn more:
After a Hurricane or Tropical Storm
If Your Property Is Damaged
After the storm has passed and it is safe to do so:
- Contact your insurance company to report damage and begin the claims process
- Take photos and videos of damage before making repairs, if possible
- Take reasonable steps to prevent additional damage, such as covering broken windows or placing a tarp over a damaged roof
- Keep receipts for temporary repairs and other storm-related expenses
- Be cautious when hiring contractors or repair services after a storm
Do not make permanent repairs until your insurance company has had an opportunity to inspect the damage, unless repairs are necessary to prevent further damage.
Avoid Storm Repair Scams
After a hurricane or tropical storm, homeowners may receive offers from contractors or other individuals promising quick repairs.
Be cautious of anyone who:
- Demands immediate payment or a large upfront deposit
- Pressures you to sign a contract before you understand the work being performed
- Offers to waive your insurance deductible
- Asks you to sign over your insurance claim benefits
- Cannot provide proof of licensing, insurance, or references
Work with reputable contractors and contact your insurance company before agreeing to repairs.