Tuesday, February 03 2009
We suggest to any one with property damage to contact their insurance agent as soon as possible and file the claim. This way you can find out first hand what claims your insurance policy covers.
Is Your Storm Damage Covered by Insurance?
From roofs caving in, to trees crashing through windows, storm damage throughout the Tri-state is abundant.
When it comes to repairing the damage, you might not know where to start.
The easiest way to find out what's covered and what's not, is to call your insurance company.
Many policies cover more than you may think.
The ice on homes, cars and roads is melting, only to unveil more damage. A pull barn off Old State Road suffered three major gashes in the roof that the owner wasn't able to detect until now. State farm agent, Matt Pereboom, received a call from the barn owner, as well as dozens of others.
At least 30 claims were filed at his office alone and 60 calls for questions.
Pereboom: "It hasn't been as bad as we expected but with some of the melting snow, could get worse."
When you notice damage, it's important to report it to your carrier immediately. When an adjuster shows up, have evidence of your loss, including lists, appraisals, videos, pictures or receipts; whatever you can gather to prove what's damaged and how much it's worth. It's also in your best interest to make some temporary repairs to prevent further damage.
Pereboom: "Don't be afraid to ask questions and don't put yourself at risk trying to take a tree down."
An insurance company's top priority is tending to unlivable homes, then they get to the minor problems. Agencies, like State Farm, cover the removal of tree limbs.
It's important to read over a hard copy of your policy as well as taking advice from your insurance agent.
The more you know about your policy, the better off you are.