Between winter storms weighing everything down with snow and ice, to summer thunderstorms, and heavy winds in all seasons, your property can take a beating. You don’t have to have an older home for damage to occur, either. There will always be elements out of your control that can lead to property damage. If something happens, is that damage covered by property insurance? It comes down to what exactly your policy covers, how fast you can report it to your agent, and keeping up to date on your policy information. Here’s how your property insurance can keep you covered. For further information, don’t hesitate to contact Bleiler Insurance.
How can you prepare?
Look over what type of insurance policy you currently have or are thinking of getting. It will list off all of the coverages clearly, so there’s no confusion. If you’re not sure, don’t hesitate to call your insurance broker to discuss the coverage with them.
What will most policies covers?
- Frozen pipe damage and ice dams
- Hail and wind damage
- Roof damage and fallen trees
- Flooding and power failures
- Sewer back-up
- and more
When should you report a claim?
Report any property damage immediately. Most insurance companies have a 24-hour line that you’re able to call in case of an emergency. Take pictures as soon as possible. Don’t endanger yourself taking pictures, though. If the damage needs to be fixed before the insurance company can get involved, then keep all of the receipts for the claim and possible reimbursement.
Stay updated on your coverage.
Periodically your insurance might send you new information about your coverage. Read over those and call if you have any questions. Don’t just throw them away, assuming everything is the same.