Geography matters here
Storm claims by state
Deductible structure, complaint routes and suit limitation periods all differ by state, and the difference is measured in thousands of dollars. Percentage wind and hail deductibles are standard in Texas, Florida, Oklahoma, Kansas, Nebraska, Colorado, Alabama, Mississippi, Louisiana, South Carolina and North Carolina, and some states apply the higher deductible only when a storm is formally named.
Alabama
Pct-both. Complaints go to the Alabama Department of Insurance.
WIND AND WINTER STORMAlaska
Flat. Complaints go to the Alaska Division of Insurance.
MONSOON WIND, DUST STORM AND HAILArizona
Flat. Complaints go to the Arizona Department of Insurance and Financial Institutions.
TORNADO, WIND AND HAILArkansas
Pct-hail. Complaints go to the Arkansas Insurance Department.
WIND AND WINTER STORMCalifornia
Flat. Complaints go to the California Department of Insurance.
HAILColorado
Pct-hail. Complaints go to the Colorado Division of Insurance.
HURRICANE AND WINDConnecticut
Pct-storm. Complaints go to the Connecticut Insurance Department.
HURRICANE AND WINDDelaware
Pct-storm. Complaints go to the Delaware Department of Insurance.
HURRICANE AND NAMED STORMFlorida
Pct-storm. Complaints go to the Florida Department of Financial Services.
HURRICANE, WIND AND HAILGeorgia
Pct-both. Complaints go to the Georgia Office of Commissioner of Insurance and Safety Fire.
HURRICANE AND WINDHawaii
Pct-storm. Complaints go to the Hawaii Insurance Division.
WIND AND WINTER STORMIdaho
Flat. Complaints go to the Idaho Department of Insurance.
WIND, HAIL AND TORNADOIllinois
Pct-hail. Complaints go to the Illinois Department of Insurance.
WIND, HAIL AND TORNADOIndiana
Pct-hail. Complaints go to the Indiana Department of Insurance.
HAIL, WIND AND DERECHOIowa
Pct-hail. Complaints go to the Iowa Insurance Division.
HAIL AND TORNADOKansas
Pct-hail. Complaints go to the Kansas Insurance Department.
WIND, HAIL AND TORNADOKentucky
Pct-hail. Complaints go to the Kentucky Department of Insurance.
HURRICANE AND WINDLouisiana
Pct-storm. Complaints go to the Louisiana Department of Insurance.
WIND, WINTER STORM AND COASTAL STORMMaine
Pct-storm. Complaints go to the Maine Bureau of Insurance.
HURRICANE, WIND AND HAILMaryland
Pct-storm. Complaints go to the Maryland Insurance Administration.
HURRICANE, WIND AND WINTER STORMMassachusetts
Pct-storm. Complaints go to the Massachusetts Division of Insurance.
WIND, HAIL AND WINTER STORMMichigan
Flat. Complaints go to the Michigan Department of Insurance and Financial Services.
HAIL AND WINDMinnesota
Pct-hail. Complaints go to the Minnesota Department of Commerce.
HURRICANE, WIND AND HAILMississippi
Pct-storm. Complaints go to the Mississippi Insurance Department.
HAIL, WIND AND TORNADOMissouri
Pct-hail. Complaints go to the Missouri Department of Commerce and Insurance.
HAIL, WIND AND WINTER STORMMontana
Pct-hail. Complaints go to the Montana Commissioner of Securities and Insurance.
HAIL AND WINDNebraska
Pct-hail. Complaints go to the Nebraska Department of Insurance.
WIND AND MONSOON STORMNevada
Flat. Complaints go to the Nevada Division of Insurance.
WIND AND WINTER STORMNew Hampshire
Pct-storm. Complaints go to the New Hampshire Insurance Department.
HURRICANE AND WINDNew Jersey
Pct-storm. Complaints go to the New Jersey Department of Banking and Insurance.
HAIL, WIND AND MONSOON STORMNew Mexico
Pct-hail. Complaints go to the New Mexico Office of Superintendent of Insurance.
HURRICANE, WIND AND WINTER STORMNew York
Pct-storm. Complaints go to the New York Department of Financial Services.
HURRICANE, WIND AND HAILNorth Carolina
Pct-storm. Complaints go to the North Carolina Department of Insurance.
HAIL, WIND AND WINTER STORMNorth Dakota
Pct-hail. Complaints go to the North Dakota Insurance Department.
WIND, HAIL AND WINTER STORMOhio
Pct-hail. Complaints go to the Ohio Department of Insurance.
HAIL AND TORNADOOklahoma
Pct-hail. Complaints go to the Oklahoma Insurance Department.
WIND AND WINTER STORMOregon
Flat. Complaints go to the Oregon Division of Financial Regulation.
WIND, HAIL AND WINTER STORMPennsylvania
Pct-storm. Complaints go to the Pennsylvania Insurance Department.
HURRICANE AND WINDRhode Island
Pct-storm. Complaints go to the Rhode Island Division of Insurance Regulation.
HURRICANE, WIND AND HAILSouth Carolina
Pct-storm. Complaints go to the South Carolina Department of Insurance.
HAIL, WIND AND WINTER STORMSouth Dakota
Pct-hail. Complaints go to the South Dakota Division of Insurance.
WIND, HAIL AND TORNADOTennessee
Pct-hail. Complaints go to the Tennessee Department of Commerce and Insurance.
HAIL AND HURRICANETexas
Pct-both. Complaints go to the Texas Department of Insurance.
WIND AND WINTER STORMUtah
Flat. Complaints go to the Utah Insurance Department.
WIND AND WINTER STORMVermont
Flat. Complaints go to the Vermont Department of Financial Regulation.
HURRICANE, WIND AND HAILVirginia
Pct-storm. Complaints go to the Virginia Bureau of Insurance.
WIND AND WINTER STORMWashington
Flat. Complaints go to the Washington Office of the Insurance Commissioner.
WIND, WINTER STORM AND HAILWest Virginia
Flat. Complaints go to the West Virginia Offices of the Insurance Commissioner.
HAIL, WIND AND WINTER STORMWisconsin
Pct-hail. Complaints go to the Wisconsin Office of the Commissioner of Insurance.
HAIL, WIND AND WINTER STORMWyoming
Pct-hail. Complaints go to the Wyoming Insurance Department.
WIND, HURRICANE REMNANTS AND WINTER STORMWashington, D.C.
Pct-storm. Complaints go to the District of Columbia Department of Insurance, Securities and Banking.
More states are added through the season. If yours is not here yet, the general answers and the free Claim Position Check apply everywhere.