Archived · Updated 2026-09-02 · This rebuild is archived; the information stays for the community.
2023 June Severe Storms, Flooding & Tornadoes (DR-4731)
Insurance claims, in plain language
The mechanics that decide what gets paid — for this specific disaster.
- Storm and flood claims split across policies: wind/hail under the homeowner policy, rising water under NFIP flood coverage — two claims, two adjusters.
- Hail claims commonly reopen: matching rules and supplements matter years after the storm.
Common questions
- Can storm or hail claims from 2023 still be pursued?
- Sometimes — policy deadlines vary and supplements can reopen scope questions. Check your policy dates and talk to your carrier.
Also useful: United Policyholders — disaster recovery help.