Snow and ice can prove dangerous and can cause severe damage to properties and vehicles. It is important to know what to do when your home is damaged or if you are involved in an automobile accident. Below are some general guidelines to follow when dealing with a property damage claim or automobile accident.
What to do if damage occurs to your home:
Call your insurance company or agent with your policy number and other relevant information as soon as possible. Be sure you cooperate fully with the insurance company and ask what documents, forms, and data you'll need.
|What damage to your home is covered?|
Damage caused by wind, wind-driven rain, damage to your home from trees or other falling objects, collapse of a structure due to weight of ice or snow are all covered under most standard homeowners policies. Frozen pipes as the result of extreme cold weather may not be covered if the damage is due to negligence, such as failing to maintain an adequate temperature in the house when the ability to do so is there.
What damage to your home is not covered?
Interior water damage from a storm, when there is no damage to the roof or walls of your home, damage as the result of a flood, removal of fallen trees (if the trees do not land on and damage your home) food spoilage due to a power outage and water damage from backed-up drains or sewers are not covered under most standard homeowners policies. Some insurers offer endorsements (additional protection that may be purchased) for certain coverages not covered under the standard homeowner policy, so check with your agent or company to determine your needs.
If you are in an automobile accident:
|Contact your state insurance department|
If you have a dispute with your insurer about the amount or terms of the claim settlement, you can contact your state insurance department for assistance.