How Severe Storms Can Impact Connecticut

Connecticut experiences a variety of severe weather events throughout the year. Severe storms can create both immediate and long-term impacts.

• Heavy rain can lead to flash flooding and property damage
• Strong winds can damage roofs, siding, windows, and trees
• Lightning can create fire risks and power disruptions
• Falling trees and debris can damage homes and vehicles
• Hail can damage roofs, siding, vehicles, and outdoor property
• Extended power outages can create additional safety and financial challenges
• Storm impacts can continue after the weather event through debris removal, scams, and contractor fraud

What to Do Before Severe Weather

1. Review your insurance policies and understand your coverage limits
2. Understand what your homeowners, renters, or condominium policy covers
3. Consider whether flood insurance is appropriate for your property
4. Create or update a home inventory with photos and videos
5. Store insurance policies and insurer contact information in a secure location
6. Trim trees and remove potential hazards around your property
7. Secure outdoor furniture and loose items
8. Build an emergency kit with essential supplies
9. Create a family communication and evacuation plan
10. Sign up for emergency alerts and notifications

What to Do After Severe Weather

• Stay away from downed power lines and hazardous areas
• Follow guidance from emergency officials
• Document damage with photos and videos if safe to do so
• Contact your insurer or agent as soon as possible
• Keep receipts for emergency repairs and cleanup expenses
• Keep a record of conversations with your insurer
• Avoid disaster-related scams and unlicensed contractors
• Do not begin permanent repairs until your insurer has inspected the damage

Severe Storm Preparedness Checklist

• Download the full Severe Storm Preparedness Checklist (PDF)

Understanding your coverage

Coverage varies by policy. Review your policy carefully and speak with your insurer or agent if you have questions.

Important coverage considerations:

• Flood damage is generally not covered under standard homeowners, renters, or business insurance policies
• Flood insurance requires a separate policy
• Wind and hail damage coverage may vary by policy
• Coverage limits, exclusions, and deductibles differ by policy

Questions to ask before severe weather strikes:

1. What does my policy cover?
2. Do I have flood insurance?
3. What are my deductibles?
4. Do I understand my coverage limits?
5. Have I documented my belongings?

FAQs

Does homeowners insurance cover storm damage?

Homeowners insurance generally covers many types of sudden storm-related damage, but coverage varies by policy.

Does homeowners insurance cover flooding?

No. Flood damage generally requires separate flood insurance coverage.

Should renters create a home inventory?

Yes. A home inventory can help document personal belongings and make the claims process easier after a loss.

When should I review my insurance coverage?

Review your coverage annually and before severe weather seasons.

What should I do if I cannot reach my insurer after a storm?

Contact the Connecticut Insurance Department if you have difficulty reaching your insurer or have questions about the claims process.

Be Prepared Before the Next Storm

Preparing before severe weather develops can help reduce stress and speed recovery. Understanding your insurance coverage, documenting your belongings, and knowing your risks can help protect what matters most.

The Connecticut Insurance Department is available to help answer insurance questions and assist consumers before and after disasters.

• Post Disaster Claims Guide
• National Weather Service
• Ready.gov Severe Thunderstorms
• Connecticut Alerts
• CT Prepares App
• Connecticut Division of Emergency Management and Homeland Security (DEMHS)
• American Red Cross Heat Safety Information
• 211 Infoline
• National Flood Insurance Program