Living in Kansas brings with it the threat of damaging winds, pelting hail, or roaring flood waters, causing hundreds of millions of dollars of damage to property across the state. Insurance offers financial protection against storm damage, but you need the proper insurance in the right amounts.
All too often the Kansas Insurance Department finds that consumers failed to make proper insurance arrangements for themselves or their property before a storm hits.
The information found here can help you understand the storm coverage you need before the storm and what to do to protect your interests after the storm if you must file a claim.
Insurance Commissioner Sandy Praeger encourages you to contact her Consumer Assistance Division if you have any questions or need additional information. Please call the toll-free Consumer Hotline at 1-800-432-2484.
- Before and After the Storm (pdf), advice for Kansas insurance consumers from Insurance Commissioner Sandy Praeger.
- Kansas Estimated Storm Losses
Federal Flood Insurance
- Consider buying federal flood insurance if damage from rising water is possible. Homeowners, farm and ranch, renters, condominium, and mobile home policies DO NOT cover damage caused by rising waters.
- FEMA's National Flood Insurance Program has a wealth of information about this type of coverage.
- Kansas Communities Participating in the National Flood Program
- Check your auto policy. Comprehensive coverage (other than collision) pays if a storm or flood damages your car.
- See KID's Auto Insurance section for more details.
- Check your coverage. Not all policies cover these expenses:
- water and windstorm damage
- debris or tree removal
- sever back-up due to flooding
- sump pump failure
- additional living expenses if disaster forces you from your home
- Check limits, including contents coverage. See KID's Home Insurance section for more details.