Hurricane Harvey: What About Insurance? Your Questions Answered

Like most people across the country and the world, here in Texas we’re overwhelmed by the devastation left to us by Hurricane Harvey. It is a true nightmare, it is heart breaking and really unexplainable this is a real tragedy and the only thing left is the comfort of prayers trusting God, loving, helping, and understanding each other. 

If you or a loved one were directly impacted by Harvey, you likely have an onslaught of pressing questions on your mind right now as we finally see the sun out today providing relieve, many of us if not all us. Felt a very special appreciation for the sun today, and woke up wanting to take action, trying to see what’s been of our homes and how to get as close as back to normal as possible, but really just the blessing of having what feels like a new normal sunny day. After what felf like a forever Hurricane and bad weather everything from flood insurance to disaster relief efforts. We’re here to walk with you and help answer a few of the questions you might have:

Is flooding covered by normal home owner’s insurance ?

No, because floods are considered separate from hurricane damage, you need specific flood insurance to cover it. Wind damage is covered through homeowners insurance, but any water damage is not. Flood insurance is provided through the federal government with The National Flood Insurance Program. You are required to purchase it if you live inside a flood zone. Unfortunately, most of the city of Houston isn’t considered to be in a flood zone area. But be sure to check with your insurance company. Depending on the nature of damage to your house, you could be partially covered.

How do I file a flood claim?

Step 1: Notify your insurance company

First, you need to let your insurance company know you’ve experienced flood damage. This will get the process started for you. Ideally, the sooner you contact them, the sooner you should receive your claim check. Make sure you have your policy number and contact info handy when you give them a call.

Step 2: Document all the damage

You need to take pictures of all the property that was damaged. This should include structural damage, standing floodwaters, and objects that were ruined. Be sure to make a list of all items with as much information you can provide, like estimated item value, date of purchase, and any receipts you may still have on hand.

Step 3: Provide a Proof of Loss statement

The Proof of Loss is your signed and sworn statement that provides documentation of the damage to your possessions and home. You need to file Proof of Loss documentation with your insurance company within 60 days. Your adjuster will help you with this process.

What can I do if I don’t have flood insurance?

You can apply for federal disaster relief benefits, but those come in the form of low interest loans—which we do not recommend. This is exactly why having an emergency fund is so essential. It puts a buffer between you and the curve balls life can throw at you. If you have an emergency fund in place, now is the right time to use it.

Are banks offering forbearance programs for mortgage holders who are flood victims?

Honestly, it depends on the bank. For example, if you are impacted by a natural disaster, Wells Fargo will suspend negative reporting to credit bureaus and won’t charge you late fees. Customers who contact them can get disaster relief and postpone their payments.(1) Only do this if you absolutely can’t make it work any other way. There is no need to dig a hole financially if you can avoid it.

Does the Red Cross charge for their services?

This is completely false. The shelters and services Red Cross provides are free.

I’ve been told to file homeowner’s insurance claims before Friday, September 1, because of a law that is about to change—is this true?

This law only applies to people filing a lawsuit against their insurance company, so it doesn’t affect the majority of Texans. Plus, the law only relates to private insurance companies, while flood insurance is generally provided by the government.

Here’s How You Can Help!

Volunteers from all over the country are descending upon Southeast Texas to lend a hand. If you’re able to help by volunteering on the ground, please do. But even if you don’t live near the area, you can still help those in need through donating to the relief efforts.

Samaritan’s Purse

You can volunteer your time or donate money through the aid of Samaritan’s Purse.

Salvation Army

You can also send a donation through the Salvation Army.

Local Churches

Crosspoint Church — Pearland, Texas
Make a donation through the church here.

Red Cross

Donate funds through the Red Cross as they help families affected by Hurricane Harvey.

Red Cross Shelters

Are you in need of safe housing during this time? These shelters across the Southeast Texas area provide a place to sleep, meals, water, and health services for free. Pets are welcome too! No reservation is needed to stay. Find a local Red Cross shelter here.

The need in Southeast Texas will be vast, even after the media attention has subsided. Consider donating to local shelters and food banks that will continue to bring aid to the area in the weeks and months to come.

Don’t Mess With Texas

“Man never made any material as resilient as the human spirit.” — Bern Williams

Despite the circumstances of today, we always have hope to cling to for tomorrow. Although you may be experiencing the harsh impacts of Hurricane Harvey, it cannot defeat the structure that makes up your human spirit. We love, stand, and pray for Texas.


What other insurance related questions do you have? Leave us a comment or connect with us we would love to hear from you.

You Can Find Us Here:

Facebook: https://www.facebook.com/ylino

Instagram: @lala_ag

Pinterest: @yadiz08

WordPress: @yadiz08

Skype: @yadiz08_1

Linkedin: Yadira Blessed Lino Castro

Youtube: https://www.youtube.com/user/godsweetgirl

Author: yadiracastro

Hi, my name is Yadira Castro I'm a teacher, I teach people how to break through financial distress, create a plan to build their income, and live a life they love, on a budget they can afford.