Solutions to questions regarding hurricane-related property damage: Q: Do homeowners' insurance plans cover flooding? A: Most floodings aren't covered through homeowners guidelines. You need a separate insurance plan exclusively regarding protection associated with property towards flood to protect your house and qualities against damage. Q: Do car insurance policies include flooding? A: Yes, this does apply for those who have purchased thorough coverage. Or else, if you simply have legal responsibility coverage, your automobile is not really insured with regard to flooding. Q: Can we purchase flood insurance in the event that my property may have been flooded previously? A: Indeed, notwithstanding whether your house has already been flooded until now. However, there's a possibility that there's a 30-day hold before the demage is covered. Consult your insurance company for more informations. Q: Will federal disaster assistance cover my flood damage? A: You may be eligible for federal catastrophe assistance in case your residence is within a federally announced disaster region. Q: My personal neighbor's tree fell upon my home and made some damage. Can my neighbor's homeowners insurance provider pay for the demage? A: Below normal conditions, if your own neighbor tree drops on all of your property, it's the responsibility of your insurance company to supply for the actual repairing cost for that damage. Your neighbor insurer might pay for this only if if the tree had been dead in such a way that thyour neighbor should have known it was dangerous. Q: How quickly does the insurance provider have to pay me the cash it owes me for any repairs made to my home? A: Sometimes you'll receive the check quickly after the harm has happened. However, an insurance provider has no more than 30 days to pay for your claim once you give all of suitable verifications of demage. Q: Basically am not quite happy with the support that my insurance provider has provided me, how do you file the grievance using the Department of Insurance? A: All complaints ought to be put forward on paper to the actual Department of Insurance from the state of the residence.