Winter's first storms have already left a path of damage and power outages across the country. When a storm strikes, it is important to know what to do if your home is damaged or if you are involved in an automobile accident. The following are some from USA Mutual Insurance to help you deal with a property damage claim or automobile accident.
What to Do if Damage Occurs to Your Home
What Damage to Your Home is Covered?
Damage caused by wind, wind-driven rain, trees or other falling objects, and the 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 might 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. As always check your specific policy or give USA Mutual Insurance a call if you need clarification or have specific questions.
What Damage to Your Home is Not Covered?
The following events are typically not covered by the standard homeowners insurance policy: 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. Some insurers offer endorsements (i.e., additional protection that may be purchased) for certain coverages not covered under the standard homeowner policy. As always check your specific policy or give USA Mutual Insurance a call if you need clarification or have specific questions.
What to Do if You Are in An Automobile Accident
If you have any additional questions regarding your insurance coverage or a claim, please click here to contact one of our insurance professionals.