Insurance Preparedness for Natural Disasters
The Maryland Insurance Administration encourages residents to be prepared for natural disasters by reviewing and understanding their insurance coverage and by considering the purchase of flood insurance.
Before Disaster Strikes
Tips for Filing an Insurance Claim
Produced August 2012. Special thanks to County Cable Montgomery, Montgomery County, Maryland, for production of these public service announcements.
Prepare Your Home
Frequently Asked Questions: Insurance Coverage for Weather Related Damage
- Consumer Advisory: Will My Insurance Company Pay for a Place to Live If My Home Is Damaged by a Storm?
Oct. 29, 2012
- Consumer Advisory: If a Tree Falls on Your Property
Oct. 29, 2012
- Mold and Mildew Damage: What Consumers Can Do and How to Determine If It Is Covered by Insurance
July 3, 2012
- An Insurance Preparedness Guide for Natural Disasters
- Taking Home Inventories - A Key to Insurance Protection
March 24, 2011
- Why Renters Insurance is a Good Idea
- Need to Make Repairs? Be Sure to Protect Yourself
July 1, 2012
For more tips, refer to the following:
Advice from the Maryland Home Improvement Commission
Advice from the Maryland Attorney General
- Maryland Guide to Disaster Relief Resources
- Property Damage - What To Do After a Loss
Historical Information on Recent Events
Bulletins, news releases, and reports
National Flood Insurance Program Contact List
Oct. 29, 2012
Derecho Contact List of Property and Casualty Companies
June 29-30, 2012, storm
Hurricane Irene Insurance Help
Aug. 27-28, 2011, storm
Frequently Asked Questions: Flood Insurance
(from the National Flood Insurance Program)
Tips: Tips for Filing Your Flood Insurance Claim
(a publication of the National Flood Insurance Program)
- Storm-Damaged Vehicle Options
- Are You Ready for Hurricane Season?
- Earthquake Coverage
- Don't Let Flood Damage Wash Away Your Savings
The Maryland Insurance Administration has a variety of other publications available online to help consumers understand all types of insurance products - homeowners, auto, health, life, and more.
Below are links about the National Flood Insurance Program. While your local insurance agent or insurance company may help you get a flood insurance policy, all flood insurance is underwritten by the federal government. Homeowners policies DO NOT cover flood damage.
- Why You Need Flood Insurance
Determine your risk, get a quote, find an agent and more.
- NFIP - Summary of Coverage
- Flood Insurance Claims Handbook
- Maryland Flood Fact Sheet
- Preferred Risk Policy Eligibility Extension
For homeowners that have been newly mapped into a high-risk flood zone.
For policies effective on or after January 1, 2011, you have options that may provide temporary premium relief and help you stay covered.
- Hurricane Season IS Flood Season
Get the Facts about Hurricane Season. Know the risks.
- Get Protected - You Can Not Afford to Wait
Flood policies have a 30-day waiting period.
- Flood Preparation and Safety
- Managing Your Flood Insurance Claim
Other State and Federal Resources
- Cleaning Mold and Mildew
From the Maryland Department of Health and Mental Hygiene
- Governor's Office of Homeland Security
- Maryland Emergency Management Agency
- Maryland Department of Housing and Community Development
- Maryland Department of Health and Mental Hygiene
- Maryland Office of the Attorney General
- Federal Emergency Management Agency
- National Flood Insurance Program
- Small Business Administration
- National Association of Insurance Commissioners