Hurricane Milton
ACG Employees assisting in hurricane relief program

Standing strong together

AAA is passionate about member safety and protection, and that passion never wavers—even in the aftermath of a hurricane. AAA is acutely aware of Hurricane Milton’s impact on Florida. Many of our employees across the states impacted by Milton are also cleaning up and supporting the community in the wake of this powerful storm.

If you have AAA Insurance and need to report a loss, please call our AAA Insurance Claims line: 888-929-4222

Read this free online article for tips on storm recovery.

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Aftermath of hurricane Helene

What to Do After a Hurricane: Assessing Damage, Clean-up, and Recovery

For more information, click “Learn More”.

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Learn More about our AAA Insurance Claims Process

Frequently Asked Claims Questions for those with AAA Insurance

  • Review the estimate with your chosen contractor to ensure the full scope of the repair process is understood.
  • If you would like to make any or all the repairs yourself, please contact us.

As the property owner, it is your responsibility to select and hire a contractor. If you do not have a preferred contractor, your claims representative may be able to provide some names and contact information to assist you. Remember, the choice of contractors is always yours.

Contact the claims representative prior to any repair work beginning. They will review the differences in the estimate and, whenever possible, work to reach an agreement with your contractor.

It is the cost to repair or replace the damaged item(s) with an item or items of like kind and quality, without deduction for depreciation.

It is the cost to replace an item with like kind and quality, less depreciation. Depreciation is a decrease in the value of an item due to its age and/or condition.

  • If there is coverage for your loss, full reimbursement may be made in two or more payments. The first check will pay the Actual Cash Value of the damaged property, less any applicable deductible. You will receive a copy of the estimate, which details the Replacement Cost amount, depreciation and Actual Cash Value of the loss.
  • If your policy has Replacement Cost Coverage, you can claim the depreciation amount when repairs are completed. To receive payment for depreciation, you need to submit an itemized invoice for the completed repairs. AAA will reimburse the depreciation that was withheld or the actual cost of repairs, less the initial payment and deductible, whichever is less.

  • Your insurance policy requires that the mortgage holder be included on the payment as payee. Because they hold the mortgage for your property, they do have a legal interest in what happens to it.
  • You should contact your mortgage holder for information about endorsing the check and releasing funds to you for repairs.

Your policy may provide coverage for increased living expenses during repairs. Your claims representative can explain available coverage and can assist you in minimizing your loss.

fraud alert sign

Beware of Fraud

The aftermath of a hurricane creates an opportunity for scammers and unlicensed contractors to take advantage of those who need help. AAA cautions residents about the potential of contractor fraud and offers these tips to help avoid it.

  • Before hiring someone to make repairs, contact your insurance company to file your claim and ensure the damage is covered by your policy.
  • Get itemized written estimates from at least three different licensed, insured contractors.
  • Before you sign any paperwork and before a contractor starts work, allow your insurance company to come out and inspect the damage first.
  • Work only with licensed and insured contractors and check their credentials. Do not allow a contractor to inspect your property, including your roof, until you have verified that they are licensed and insured. You can verify that they have an active, valid state license. Also, check for complaints filed against them on the Better Business Bureau’s website.

Visit the National Insurance Crime Bureau for additional tips and valuable resources to protect yourself from being victimized a second time by Hurricane Milton.

cars driving through flooded road

Dealing with Flood-Damaged Vehicles

When a car has been partially or completely submerged:

  • Do not attempt to start a vehicle if the water level rose above the door opening and the interior of the car is wet. Doing so could cause major problems if flood water has contaminated the engine oil or other vehicle fluids.
  • Take photos from the exterior of the vehicle. Do not open the doors if the water levels are still high.
  • Once the waters have receded, take photos of the interior.
  • Contact your insurance provider.

More questions, concerns or feedback?
 Our claims representatives and leadership team are here to help you. Feel free to call regarding any questions you have about flood-damaged vehicles.

Hurricane Milton Relief efforts

Join AAA in Supporting Hurricane Milton Victims

We at AAA-The Auto Club Group serve millions of members across the country, including Floridians impacted by Hurricane Milton. We’re working diligently to help our members and colleagues affected by the storm. Please help if you can. #WeAreAAA

Hurricane Milton Relief efforts

AAA Hurricane Relief Efforts

In Clearwater, Florida, AAA was among the insurance carriers who were in attendance to assist our insureds file a claim for any damages the storm caused to their home or automobile. Those who visited our table received a AAA backpack, which was filled with various safety and sanitary items to assist during this difficult time.

Hurricane Helene Donations

We Are AAA

We love our work friends and never take our members’ trust for granted. ACG-The Auto Club Group serves millions of members.

It’s been a rough few weeks and more to come. Look out for your neighbors and appreciate those who are making an impact.

Here are four things that you can donate to be part of the effort to build back the communities in need.

  1. Food - Canned foods, packaged dry foods, baby food, snack items - think non-perishables!
  2. Water - Unopened sealed bottles are preferred - even better if it's easily refillable.
  3. Time - Connect with a relief organization for volunteer opportunities in areas closest to you that need help. If you can't connect with an organization or travel to a relief location, work with a local organization or donation center closest to you and assist with accepting donations, packaging, or other helpful tasks.
  4. Money - Organizations that provide disaster relief are always in need of your financial support so that they keep providing services to those affected. Choose a local organization or a national organization like the American Red Cross, and make a donation to Milton relief funds.

Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. Prices may vary based on how you buy insurance, subject to availability in your state. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association (IL Auto, IL Home, MI Home, MN Home), Auto Club Group Insurance Company (IA Auto, IN Auto, NE Auto, ND Auto, WI Auto, WI Home), Auto Club Insurance Company of Florida (FL Package), Auto Club South Insurance Company (FL Auto), MemberSelect Insurance Company (GA Auto, GA Home, IA Home, MI Auto, MN Auto, TN Auto, TN Home), The Members Insurance Company (NC Auto, NC Home), and Universal Insurance Company (NC Auto, NC Home, SC Auto, SC Home). ©2024 The Auto Club Group. All rights reserved.

This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.