Overview of USAA Hurricane Coverage

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United Services Automobile Association (USAA) is an insurance and finance company that is based in San Antonio, Texas. The company is only open to military (past and present) and their families. It provides a wide range of services to its members. I have all of my accounts with USAA that are not labeled Chase or American Express. It has been a great company for me to this point.

One of the things that I like about USAA is the weather related insurance coverage. For example, I was living in New Hampshire when power went out for a few days. I phone USAA and they quickly deposited funds into my checking account to cover the now spoiled food in my refrigerator.

With so many people being forced to evacuate or shelter in place due to the hurricanes near the Carolinas and Hawaii, I figured that this post would be appropriate for any USAA member that may be affected.

In a post highlighting hurricane season, USAA stated:

Hurricanes provide little advance notice of their arrival, and as landfall approaches, insurance companies may temporarily suspend new coverage and coverage changes.

That means it’s usually a good idea to review your insurance coverage yearly to make sure it matches your needs.

An insurance representative can review your policy, explain limits and deductibles, and help you identify coverage gaps.

During your annual coverage review, consider the following:

  • Flooding.¬†Flood insurance, which covers losses from rising water, isn’t provided in routine homeowners insurance policies. However, it is available from USAA through the National Flood Insurance Program.
  • Windstorm damage. Windstorm damage is covered with its own deductible in some homeowners insurance policies, and an entirely separate wind policy might be required in some places
  • Temporary living expenses. Review your policy’s coverage for temporary living expenses.
  • High-value personal possessions. Coverage under USAA’s Valuable Personal Property policies helps replace a homeowner’s costliest possessions, including jewelry and artwork. Typical homeowners policies provide some coverage for those belongings, but it is limited and could keep you from reacquiring the full value of lost items.
  • Personal belongings.¬†Renters insurance can cover the loss of renters’ personal belongings, which are not covered by the landlord’s insurance. Renters can get temporary living expense coverage in their rental policies, and their belongings should be covered if stolen.

Here are the contact options for USAA:

210-531-USAA (8722) or 800-531-USAA

#USAA, by mobile phone from the following carriers: AT&T, Sprint, T-Mobile, and Verizon

Final Word

Natural disasters are stressful enough without having to worry about food, hotels, or personal effects. If you are in any of the hurricanes paths and are a USAA member, please give them a call so that they can help to ease your stress.

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