What does USAA cover during a hurricane?

Lauren Warner
September 12, 2018 - 10:34 am

Image courtesy of Dreamstime


By now I’m sure anyone with USAA along the Eastern Seaboard has received at least 2-3 text messages or emails with statements like “[w]e’re monitoring Hurricane Florence and see that you may be in its path. We care about your safety. Please listen to local authorities to protect you and your family. To file a claim, visit USAA.com/help.”

The other popular message going around Facebook is far more visible and potentially confusing to anyone in the path of the hurricane trying to determine exactly what their insurance covers in a situation such as a hurricane.



The truth is, it’s not that easy. The statements floating around are only true if you have insurance and are in a mandatory evacuation zone.

The communications team at USAA has verified the statements put out, but continued to clarify, stating “[h]omeowners and renters policies can vary state-to-state, we recommend you review what’s covered in your policy or visit USAA’s mobile app, USAA.com or call 1-800-531-USAA (8722) for questions you may have.”

So far more than 1 million people are facing those mandatory evacuation orders in coastal areas of North Carolina, South Carolina and Virginia. For most counties, those orders went into effect at 8 a.m. on Tuesday. If you do fall under the mandatory evacuation orders and are insured through USAA, mileage, lodging and incidentals are covered, with mileage being paid at a flat rate. 

Additionally, your evacuation expenses may only be covered if your property sustains a loss. There could also be limitations on homeowners and renters policies depending on the kind of property (those with USAA insurance should also note that coverage suspensions could restrict your access to coverage or prohibit policy adjustments).

Image courtesy of Dreamstime

First and foremost, you need to focus on keeping yourself and your family safe. Second to this, make sure that if and when you do have to evacuate, you keep any and all receipts from expenses incurred during your evacuation. This will ensure the most accurate reimbursements once the storm and evacuation orders have passed.