Do You Have Severe Weather Claim Questions?

If severe weather is on it's way or has affected your property, your safety is the most important thing to us. Always stay inside during a storm and stay tuned in for weather watches and warnings on social media with VDEM and the National Weather Service. It's also important to have alerts on your mobile device.
After a severe weather event, use extreme caution around any storm damage and contact emergency officials and your utility company first if you suspect gas leaks or electrical hazards.
If you have damage to your property, you may have questions about what's next and if your damage is covered. Our FAQs might help if you have similar concerns. Keep in mind, all policies vary and yours has your specific coverages you chose under the advice of a licensed professional. Your independent agent is your best resource for exact answers with your coverage in mind.
We are also here if you need us! When severe weather is forecasted, we're here around the clock from start to finish assisting our members. Depending on the impact of an event, we are potentially handling high volumes of claims. We appreciate your patience. You are important to us and we make every effort to assist each claim in a timely manner. Here are first steps you can take.

If you think you have a claim:

  • Contact your local independent agent.
  • Call our hotline and report your claim or make an online claim.
  • Make minimal temporary repairs to prevent further damage, take photos and/or videos.
  • If your home is unlivable, find safe shelter with a friend, family member or hotel.
  • Keep all receipts for lodging, food, clothing, gas, and other necessities.
  • Do not make permanent repairs until approved by your claims adjuster.
  • We don't recommend hiring repair companies that drive through your neighborhood.
  • Hire only reputable, licensed and certified contractors.
  • Discuss specific claim questions with your agent/claims adjuster.


24/7 Claims Hotline: 1-877-968-7252 

24/7 Roadside Assistance: 1-800 913-8847


Frequently Asked Questions

Do I have Emergency Roadside Assistance on my auto policy?

Yes, all NNINS auto policies have 24/7 emergency roadside assistance. Call 1-800-913-8847.

Will my auto insurance policy cover damage to my car if a tree falls on it? 

The damages are covered if you purchased comprehensive coverage, minus your financial portion of the claim, known as your deductible.

Does a homeowners policy cover flood damage?

No, homeowners insurance excludes flood coverage. You must have a separate flood insurance policy. Learn more here

I just went grocery shopping and we lost power. Is the cost to replace my perishable food covered?

Yes, if you have that endorsement. Take a picture of your refrigerator with the door open before you dispose of the spoiled food and you will be reimbursed if you file a claim.

What if my neighbor’s tree fell on my house, or my tree fell on my neighbor's property? Whose insurance pays for damages? 

Both you and your neighbor should report the damage to respective insurance companies and allow the adjuster to review the claim. Learn more here

My home has severe damage and is not livable.  What should I do? 

Address any medical needs first. Call your utility company first to report any dangerous gas links or electrical problems. Report your claim to us as soon as possible. Then, if it's safe, secure the premises such as boarding up windows, tarping roof, etc. to prevent further damage. Take photos/videos of damage if possible. Communicate with agent/claims adjuster for further instruction. Be sure to keep all receipts for temporary living space, gas, food, clothing, etc.  Start preparing an inventory of damaged personal property. Do not discard any property until instructed by claims adjuster and save all receipts and invoices.

We hope you haven't experienced damage but if you have, we can help you get back on your feet. Most of all, stay safe! Remember to never drive through flooded roads and stay away from flood water.

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