Weather, Weather, and more weather – are you covered?

Winter storms are the third most costly natural disasters in the United States. Let’s face it, the weather is just plain wacky anymore. We don’t know what to expect each year. And, after 30 days of no sun, rain every day, and heavy snow in the mountains, we’re feeling it even more this year. Between the rain and snow, claims for weather related damages will increase considerably.

Are you insured for weather damage?
It depends? Depends on the type of policy you have and what it covers and what it does not. If you are not clear on this, give your insurance agent a call to clarify, better to find out now before it is too late. Most insurance companies cover common weather related damages: hail, wind, fallen trees, water, power failure, etc. However, flooding is not always covered in a homeowner policy.

What about liability?
What if a tree on your property falls onto your neighbors home or car? You may be liable. Falling on slippery pavements are common this time of year, you could be held liable. Make sure to properly maintain your property, removed hazards, clear sidewalks, etc. If an accident happens, contact your insurance agent right away.

Accidents Happen, make your claim as soon as possible.
Whether it is weather related damage or a liability claim, call your agent right away to make a claim. Doing so may help prevent further damage and costly claims. Document what happened by taking photos or video of the damage. Keep all receipts if you have to take action right away.

Make sure you have the latest and the right type of coverage.
Find out what coverage is available and make sure you are fully covered. Anticipate your needs and be prepared. Adjust your policy to reflect changes in weather patterns and how it affects your area. Have a good plan for winter maintenance to minimize the chances of damage. Make repairs quickly to prevent damage from occurring.

As weather patterns change and become more extreme, do what you can to prevent becoming a statistic as insurance claims rise. If you need to make a claim, do so quickly and be as thorough as possible, it will help prevent headaches on both sides.