Finance
With Hurricane Helene disrupting travel, here’s what fliers need to know
Men inspect the damage from flooding in the aftermath of Hurricane Helene on Sept. 28, 2024 in Asheville, North Carolina.
Sean Rayford | Getty Images News | Getty Images
As the Southeast U.S. recovers in the aftermath of Hurricane Helene’s destruction, consumers looking to change their air travel plans to or from affected areas without taking a financial hit may be out of luck, experts said.
“The big-picture issue that happens in U.S. air travel: When there is a significant disruption, air passengers have very, very limited rights” when it comes to compensation, said Eric Napoli, chief legal officer at AirHelp, an online service that assists airline passengers.
‘Catastrophic damage’
The North Carolina Department of Transportation urged people to avoid unnecessary travel in the western part of the state due to hundreds of road closures from downed trees, landslides and “catastrophic damage.”
What airlines owe passengers
Amid that destruction, travelers hoping to change flights for free or cancel their plans for a refund may find airlines unwilling to grant that financially flexibility.
Airlines do generally owe “prompt” refunds to passengers if they cancel or make a “significant change” to a flight, regardless of the reason, according to the U.S. Department of Transportation. That’s true even for consumers with non-refundable tickets.
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However, weather-related events like Hurricane Helene are generally considered to be outside an airline’s control, meaning passengers have relatively few rights to compensation, experts said.
The airline’s duty in such cases generally depends on a passenger’s specific fare, such as economy or business class, Napoli said.
“There’s nothing [airlines] will do for you” if your conference was canceled and you don’t have a ticket that grants free cancellation or comes without fees for changes, he said.
Airlines make concessions in some cases
Damage to a store in Valdosta, Georgia, from Hurricane Helene.
Michael M. Santiago | Getty Images News | Getty Images
Some airlines are making concessions tied to Hurricane Helene, though they vary by carrier and geography.
“All the rules are different,” said Sally French, a travel expert at NerdWallet.
Many major U.S. carriers have dedicated webpages for travel alerts outlining their policies around specific events, she said.
For example, American Airlines, Delta Airlines and United Airlines have alerts about flooding in the Southeast. Many focus on areas around Asheville, North Carolina, and some parts of Georgia like the city of Valdosta.
United is waiving change fees and fare differences for passengers whose flight was affected by flooding and who choose to reschedule their flight, for example.
United’s policy comes with parameters: Passengers must have purchased their ticket before Sept. 26, for travel between Sept. 30 and Oct. 31, 2024; the new flight must be a United flight leaving by the end of 2024 and between the same cities as originally booked. Those who cancel can get a full refund.
American Airlines is also giving leeway to passengers scheduled to travel through Augusta, Georgia, between Sept. 29 and Oct. 4. They must book changes by Oct. 4.
Delta passengers scheduled to fly through Asheville or Valdosta must travel on rebooked flights by Oct. 18 to avoid paying a fare difference. Change fees would still be waived past that date, however.
Read the specifics of insurance policies
Travel insurance isn’t always a fail-safe in the event consumers can’t get reimbursed from the travel provider for a flight, hotel or other travel expenses, experts said.
If you didn’t purchase a cancel-for-any-reason policy, your trip problems typically have to fall under specific, covered reasons. Plus, policies bought after Helene became a named storm generally won’t cover claims related to it.
“Make sure you read the fine print and what the insurance is actually covering,” Napoli said.
Consumers who purchased their trip with a credit card may get certain travel reimbursement benefits from their card issuer, sometimes even in the case of severe weather, French said. Credit-card companies generally require a “quick turnaround” on a claim, often within 21 days, she said.
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The elevated inflation in recent years continued to wreak havoc on many Americans’ wallets in 2024, but the start of the new year provides a great opportunity to set new financial goals to get back on track.
“As we step into 2025, the country’s financial landscape calls for proactive resolutions to address rising concerns such as inflation and debt,” WalletHub analyst Chris Lupo told FOX Business. “Top financial resolutions for 2025 should be focused on smart budgeting, saving, and debt repayment.”
Many Americans set new financial goals at the start of the New Year (iStock / iStock)
Here are some of the top financial New Year’s resolutions for 2025, according to WalletHub:
1. Make a realistic budget and stick to it
“With Americans carrying nearly $1.3 trillion in credit card debt, setting realistic budgets is a must,” Lupo said.
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2. Save more money
Lupo says saving is also key, as many households lack emergency funds. He suggests starting small with a goal of saving two months’ take-home pay and working your way up to a year’s worth.
“Don’t forget to maximize your earnings: 5%+ APYs on online savings accounts make switching banks worthwhile,” he noted, adding that high-yield Certificates of Deposit (CDs) are also worth considering.
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3. Explore ways to refinance high interest rates
High-interest debt is costly, so Lupo says to consider tools like balance transfer cards or debt consolidation loans to cut costs.
4. Repay 25% of your credit card debt
The average American is currently carrying more than $10,000 in credit card debt, and the sooner it can be tackled, the better. WalletHub says it is important to get serious about it, but suggests it is probably best to start small by setting a goal of chipping away at a quarter of it over the course of the year.
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5. Fight back against inflation
Look for ways to cut costs in everyday expenses, like shopping around for everything you buy, taking advantage of deals and coupons, turning the thermostat down, buying in bulk and cutting back until prices come down.
WalletHub suggests fighting back against high prices by shopping around and finding the best price on everyday items. (Paola Chapdelaine for The Washington Post via Getty Images / Getty Images)
WalletHub has another 10 suggestions for 2025 financial resolutions, including paying bills right after getting your paycheck, making sure you have enough insurance for a catastrophe, protecting your identity, brushing up on your financial literacy, and even looking for a better job.
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“Focus on financial literacy and healthy money habits, like paying bills immediately after payday,” Lupo said. “These steps will help make 2025 a financially healthier year.”
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