We’ve had our justifiable share of dangerously low temperatures this winter is actually those temperatures come potential hazards for homeowners and drivers.?As per the Insurance Information Institute, severe cold weather would be the 3rd-largest root cause of insured catastrophe losses.?Luckily, many of the forms of damage due to winter hazards are handled by standard home and auto policies.
What winter hazards do homeowners policies typically cover?
- Freezing conditions such as burst pipes or ice dams are covered. However, you should prove that you took reasonable steps to avoid these losses by preserving the home warm and effectively maintaining pipes, drains and gutters.
- Tree limbs that fall on the house as well as other insured structure within the property could well be covered for the damage the tree inflicts for the house additionally, the tariff of taking off the tree, generally approximately about $500.
- Ice or another objects that fall to the home will also be covered.?Injury to the property (collapse) due to heavy snow or ice can be covered.
What winter hazards do motor insurance policies typically cover?
- If you cause damage to someone else’s property (structure or any other car) as a consequence of icy roads, the property damage liability portion of your auto policy gives you coverage.
- Collision coverage cover damage to your truck to you hit another car, property or object. It also covers pothole damage.
- Comprehensive coverage will pay for physical destruction of a vehicle the result of heavy wind, flooding, fallen ice or tree limbs.
If it’s important to file a claim,?email us at Neckerman Insurance?right away and then make temporary repairs to prevent permanent damage. Let us know for people with coverage questions about your specific?homeowners insurance?and?insurance?policies.
Information from?Insurance Information Institute