{"id":1154,"date":"2026-01-28T12:05:42","date_gmt":"2026-01-28T12:05:42","guid":{"rendered":"https:\/\/www.way.com\/business\/insights\/\/"},"modified":"2026-01-29T05:08:47","modified_gmt":"2026-01-29T05:08:47","slug":"storm-proofing-cars-before-the-claims","status":"publish","type":"insights","link":"https:\/\/www.way.com\/business\/insights\/insurance\/storm-proofing-cars-before-the-claims\/","title":{"rendered":"Storm-proofing cars before the claims hit: Payouts vs prevention\u00a0"},"content":{"rendered":"<p><span data-contrast=\"none\">Insurance providers have always factored weather into their models. What has changed over the last decade is frequency, intensity, and predictability. The data is clear &#8211; natural disasters are now a recurring driver of costs, not isolated anomalies.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">According to\u00a0<\/span><a href=\"https:\/\/www.prnewswire.com\/news-releases\/carfax-up-to-45-000-vehicles-flood-damaged-in-mid-year-storms-302523277.html\"><span data-contrast=\"none\">CARFAX<\/span><\/a><span data-contrast=\"none\">, storms left 45,000 vehicles flood-damaged in the first half of 2025.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">They also estimated that the 2024 hurricane left\u00a0<\/span><a href=\"https:\/\/www.prnewswire.com\/news-releases\/carfax-347-000-cars-flood-damaged-in-2024-hurricanes-302284543.html\"><span data-contrast=\"none\">347,000<\/span><\/a><span data-contrast=\"none\">\u00a0flood-damaged vehicles.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Major hurricanes routinely create staggering losses. Hurricanes Harvey and Irma damaged or\u00a0<\/span><a href=\"https:\/\/www.nicb.org\/news\/blog\/over-637000-vehicles-damaged-hurricanes-harvey-and-irma\"><span data-contrast=\"none\">destroyed over 637,000 vehicles<\/span><\/a><span data-contrast=\"none\">.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Each\u00a0one of these cars\u00a0represents\u00a0more than a claim.\u00a0They translate directly into payouts that weigh on profitability, strain claims organizations, and weaken customer trust. When the scale of losses climbs every year, storms stop being a seasonal disruption and start being a structural challenge for the entire industry.\u00a0And for vehicles, the most reliable protection is simple: safe, elevated, covered parking.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Why\u00a0do preventable losses keep happening?\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">The frustration for insurers is not just the size of the losses but the fact that so many of them are easily avoidable.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The National Hurricane Center provides consistent lead time. A hurricane watch is typically issued\u00a048 hours\u00a0before tropical-storm-force winds are expected, and a warning about\u00a036 hours\u00a0before. Those windows create a real opportunity to move vehicles to higher ground or covered storage. Yet in practice, most cars\u00a0remain\u00a0in driveways, surface lots, or flood-prone neighborhoods.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Car owners are aware of the consequences. Six inches of water is enough to stall a car,\u00a0while\u00a0twelve inches can float it. Two feet can\u00a0carry away\u00a0even large SUVs and trucks.\u00a0For electric vehicles, the risks are still greater since saltwater-damaged batteries\u00a0can\u00a0ignite hours or even days after exposure. The\u00a0<\/span><a href=\"https:\/\/www.dco.uscg.mil\/Portals\/9\/DCO%20Documents\/5p\/CG-5PC\/INV\/Alerts\/USCGSA_0123.pdf\"><span data-contrast=\"none\">U.S. Coast Guard<\/span><\/a><span data-contrast=\"none\">\u00a0and\u00a0<\/span><a href=\"https:\/\/www.nhtsa.gov\/vehicle-safety\/electric-and-hybrid-vehicles#:~:text=Batteries%20in%20hybrid%20and%20electric,dealer%20and\/or%20emergency%20services.\"><span data-contrast=\"none\">NHTSA<\/span><\/a><span data-contrast=\"none\">\u00a0have issued public warnings about\u00a0the fire hazard posed by submerged EVs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Forecast-to-action gap\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">On the surface, everything\u00a0seems to\u00a0be\u00a0in order. Authorities provide reliable\u00a0alerts about poor weather. Car owners are\u00a0aware of the risks and want\u00a0to keep their\u00a0cars safe. But\u00a0the numbers tell\u00a0a different story. Claims keep on rising. This is because\u00a0a\u00a0lack of\u00a0awareness was\u00a0never\u00a0an\u00a0issue. What was missing was that\u00a0until recently, customers\u00a0didn&#8217;t\u00a0have\u00a0a practical solution to act on\u00a0their knowledge and protect\u00a0their vehicles\u00a0from\u00a0storm damage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">What traditional risk management misses\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Traditionally, the insurance industry has relied on two factors to manage climate risk: pricing and claims. Insurers increase premiums to account for higher expected losses, and payouts follow when disasters\u00a0strike\u00a0and claims start rolling in. This approach keeps products solvent but does little to break the cycle of rising costs.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">What&#8217;s\u00a0missing is\u00a0prevention.\u00a0Very few industries tolerate such a\u00a0wide gap between predictability and\u00a0action. Airlines\u00a0don&#8217;t\u00a0wait for a storm to\u00a0hit before\u00a0grounding flights.\u00a0Utilities\u00a0don&#8217;t\u00a0wait for peak\u00a0summer heat\u00a0to prepare\u00a0the grid. Yet the\u00a0auto insurance industry\u00a0continues to\u00a0accept billions\u00a0in\u00a0losses that could have\u00a0been\u00a0mitigated by\u00a0relocating\u00a0vehicles during predictable warning\u00a0windows.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Why parking is the real lever\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">For\u00a0storm-related vehicle losses, the outcome\u00a0is\u00a0almost\u00a0always\u00a0decided by where the vehicle is parked. Most surface lots, curbside spaces,\u00a0and\u00a0even\u00a0driveways\u00a0are at ground level and offer no protection from floodwater or debris.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">According to FEMA, even five inches of water can cause over\u00a0<\/span><a href=\"https:\/\/www.fema.gov\/node\/rumor-little-water-damage\"><span data-contrast=\"none\">$25,000 worth of damage<\/span><\/a><span data-contrast=\"auto\">.\u00a0Elevated garages\u00a0lower\u00a0flood exposure.\u00a0Enclosed\u00a0parking structures\u00a0protect against debris, which is a major contributor to hurricane-related claims. Vehicles stored above flood elevation face significantly lower damage probability than those left at ground level, even within the same storm zone.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The issue here is rarely ever awareness,\u00a0but\u00a0access. However, not all parking is\u00a0protective parking. A ground-level garage in a flood zone offers limited\u00a0benefits. Storm-resilient\u00a0parking, like\u00a0the ones included in the Way\u2019s Natural Disaster\u00a0Protection Plan,\u00a0is\u00a0elevated, enclosed, and available before\u00a0evacuation\u00a0traffic begins.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This is why parking is the real\u00a0lever. Pricing accounts for risk and claims\u00a0manage\u00a0loss, but\u00a0the\u00a0parking location\u00a0ultimately determines\u00a0whether damage occurs at all.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Prevention partnerships:\u00a0How they can help\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Closing this gap requires infrastructure, communication, and ease of use for the customer. Partnerships between insurers, mobility platforms like\u00a0Way, and parking providers are beginning to show how these pieces can come together.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Such programs address the barriers that have limited customer action in the past. They rely on:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Timeliness<\/span><\/b><span data-contrast=\"none\">: Alerts that are synchronized with official hurricane watches and warnings.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Simplicity<\/span><\/b><span data-contrast=\"none\">: Easy, online booking process that reduces\u00a0user resistance.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Relevance<\/span><\/b><span data-contrast=\"none\">: Carefully curated inventory that only includes safe indoor parking garages.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">The result is a win-win for both insurance providers and their customers. Customers value the ability to proactively protect their vehicles, and insurers see the economic value of paying for prevention instead of claims.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Way has built prevention programs in collaboration with leading insurance providers, giving drivers in storm-prone regions a clear path to keep their cars safe before disaster strikes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">When severe weather is forecast, customers receive\u00a0timely\u00a0alerts through their insurer. In just a few steps, they can reserve\u00a0parking\u00a0in secure indoor parking garages through Way\u2019s platform, moving vehicles out of harm\u2019s way before landfall.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Redefining the\u00a0role of insurers\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Prevention partnerships do more than reduce claims. They reshape customer expectations.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Insurers move from being viewed only as entities that pay for damage after the fact\u00a0to\u00a0being trusted partners that help prevent loss altogether. That repositioning carries strategic benefits: customers are more likely to\u00a0renew,\u00a0regulators see carriers taking responsibility for risk mitigation, and investors recognize a pathway to more stable loss ratios.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">This model works for all types of vehicles, not just niche or\u00a0enthusiast\u00a0ones. Everyday drivers also face risks. EVs, as mentioned above, present unique safety challenges. Fleet operators face operational paralysis and supply chain disruptions if large numbers of their vehicles are damaged. Each of these groups can\u00a0benefit\u00a0from a system that connects forecast windows to safe storage and makes booking easy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">The\u00a0business case for action\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">For senior leaders, the business case is clear. Prevention partnerships deliver:\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Lower claims costs<\/span><\/b><span data-contrast=\"none\">\u00a0by reducing frequency and severity.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Improved customer loyalty<\/span><\/b><span data-contrast=\"none\">\u00a0by offering tangible protection when it matters most.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Operational resilience<\/span><\/b><span data-contrast=\"none\">\u00a0for fleets.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Reputational strength<\/span><\/b><span data-contrast=\"none\">\u00a0is achieved by positioning insurers as proactive protectors rather than reactive payers.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">It&#8217;s\u00a0more cost-effective to subsidize storage for several days for thousands of vehicles than to cover even a small number of those cars as total losses.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">A\u00a0path forward for the industry\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">The auto insurance industry now has the tools to reduce losses from natural disaster claims. It has\u00a0accurate\u00a0forecasts and a platform that connects car owners to safe storage. What is now\u00a0required\u00a0is broader adoption.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p aria-level=\"3\"><span data-contrast=\"none\">Executives who want to lead on this front should:\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Include relocation in the customer experience by\u00a0syncing\u00a0communication with official alerts and warnings.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Carefully track outcomes based on the alerts sent, bookings made, vehicles\u00a0relocated, and claims avoided.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Partner with companies like Way,\u00a0which\u00a0already manages\u00a0parking spaces\u00a0and\u00a0has\u00a0a proven online booking\u00a0system.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Reactive or proactive? The choice is yours<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Storms will undoubtedly continue to happen. However, they\u00a0don&#8217;t\u00a0need to mean higher losses for insurance providers.\u00a0Way&#8217;s\u00a0safe storage\u00a0service has\u00a0shown how insurance companies can lower costs, better protect customers, and increase their long-term resilience.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">By shifting from reactive claims management to proactive protection, the insurance industry can improve both financial stability and customer trust. The opportunity is clear. Leaders who embrace it will set\u00a0a\u00a0new standard for how insurance protects people in an era when extreme weather is the norm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insurance providers have always factored weather into their models. What has changed over the last decade is frequency, intensity, and predictability. The data is clear &#8211; natural disasters are now a recurring driver of costs, not isolated anomalies.\u00a0 According to\u00a0CARFAX, storms left 45,000 vehicles flood-damaged in the first half of 2025.\u00a0 They also estimated that&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/business\/insights\/insurance\/storm-proofing-cars-before-the-claims\/\">Continue reading <span class=\"screen-reader-text\">Storm-proofing cars before the claims hit: Payouts vs prevention\u00a0<\/span><\/a><\/p>\n","protected":false},"featured_media":1155,"template":"","insights_category":[80],"class_list":["post-1154","insights","type-insights","status-publish","has-post-thumbnail","hentry","insights_category-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Storm-proofing cars before the claims hit: Payouts vs prevention\u00a0 - Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.way.com\/business\/insights\/insurance\/storm-proofing-cars-before-the-claims\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Storm-proofing cars before the claims hit: Payouts vs prevention\u00a0 - Business\" \/>\n<meta property=\"og:description\" content=\"Insurance providers have always factored weather into their models. 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