logo
g Text Version
Beauty & Self
Books & Music
Career
Computers
Education
Family
Food & Wine
Health & Fitness
Hobbies & Crafts
Home & Garden
Money
News & Politics
Relationships
Religion & Spirituality
Sports
Travel & Culture
TV & Movies

dailyclick
Bored? Games!
Nutrition
Postcards
Take a Quiz
Rate My Photo

new
Houseplants
Romance Movies
Creativity
Family Travel
Southwest USA
Irish Culture
Home Finance


dailyclick
All times in EST

Low Carb: 8:00 PM

Full Schedule
g
g Insurance Site

BellaOnline's Insurance Editor

g

Be Prepared when Winter Storms Come


When winters’ storms leave a path of damage, destruction and power outages it is important to know what to do if your home is damaged or if you are involved in a weather related auto accident.

When there is weather damage to your home...

-First and far most contact your insurance company or agent. Have your policy
number available.
-Be sure to corporate with your insurer. This means making your property
available for inspection as your insurer will likely want to inspect the
damages.
-Be sure to take photos and/or video of the damage.
-Always mitigate your damages. This means go ahead and repair damages to
prevent further damage. For example: You sustain damage to your roof.
You’ll want to put a tarp on the roof to prevent the interior from being
damaged. Your insurer will reimburse you for these temporary repairs. This
reimbursement is separate from your homeowner’s deductible. Please note you
should never initiate permanent repairs without prior approval from your
insurer.
-Retain all receipts for temporary repairs and supplies.
-Inquire with your agent about additional living expense (ALE) coverage. This
coverage is extended when your home is uninhabitable. If you have this
coverage, be sure to retain receipts.

What kind of homeowner’s damage is covered?

Damages or perils covered include, in the most basic homeowners policy, wind, wind-driven rain, falling objects like trees, collapse due to the weight of ice/snow. Frozen pipes as a result of extreme cold may not be covered if the resulting damage is due to negligence. Negligence includes failing to maintain an adequate temperature in the house.

What kind of homeowner’s damage is NOT covered?

Typically interior water damage from rain/storm is not covered unless there is damage to the exterior. For example: You leave your window open, it rains, and wind-driven rain causes interior damage. In this scenario there would be no coverage. However, if the wind-driven rain broke the window and rain damaged the interior—then there would be coverage. There is no coverage for flood damage (this is an exclusion and a separate flood policy would need to be purchased). The removal of fallen trees when there is no resulting damage (in other words the trees would have to fall on and damage your house, not just fall in the yard). Also, water damage from the back-up of sewer and drain is not covered unless you have a specific back-up sewer and drain endorsement (this requires an additional premium and you must ask for this endorsement).

When you are in an auto accident, do the following...

-Before you call or notify your insurance company/agent call the police.
-Be sure to get names, addresses, telephone numbers and driver’s license
numbers for each person involved in accident, including any witnesses.
-Be sure to note the time, date, location, road conditions, make and model of
vehicles involved (including the vehicle year) and general description. Also
determine vehicle damages and personal injuries, if any. If you have a
camera phone it might be a good idea to take photos of damages, intersection,
etc.
-Create a log to record when you speak with insurance company representatives,
agents, lawyers, police or witnesses. Be prepared to record dates, times,
names, and discussions.
-Inquire about coverage for a rental vehicle if your car is not drivable.

The key is to always be prepared and know your policy--what is covered and what is not covered as well as what you should do in an auto accident.
Add Be+Prepared+when+Winter+Storms+Come to Twitter Add Be+Prepared+when+Winter+Storms+Come to Facebook Add Be+Prepared+when+Winter+Storms+Come to MySpace Add Be+Prepared+when+Winter+Storms+Come to Del.icio.us Digg Be+Prepared+when+Winter+Storms+Come Add Be+Prepared+when+Winter+Storms+Come to Yahoo My Web Add Be+Prepared+when+Winter+Storms+Come to Google Bookmarks Add Be+Prepared+when+Winter+Storms+Come to Stumbleupon Add Be+Prepared+when+Winter+Storms+Come to Reddit




RSS | Related Articles | Editor's Picks Articles | Top Ten Articles | Previous Features | Site Map


For FREE email updates, subscribe to the Insurance Newsletter


Past Issues


print
Printer Friendly
bookmark
Bookmark
tell friend
Tell a Friend
forum
Forum
email
Email Editor


Content copyright © 2014 by Denise M. Castille. All rights reserved.
This content was written by Denise M. Castille. If you wish to use this content in any manner, you need written permission. Contact Denise M. Castille for details.

g


g features
10 Things to Know About Buying Auto Insurance

The Policies You Need!

Details to Review About Your Insurance Policy

Archives | Site Map

forum
Forum
email
Contact

Past Issues
memberscenter


vote
Poetry
Daily
Weekly
Monthly
Less than Monthly



BellaOnline on Facebook
g


| About BellaOnline | Privacy Policy | Advertising | Become an Editor |
Website copyright © 2014 Minerva WebWorks LLC. All rights reserved.


BellaOnline Editor