Because snow storms can cause severe damage to your home, it is important to review your insurance coverage. There are some things you will need to know before filing a claim. Below are some of the things you will need to know about insurance coverage and winter storm damage:
Your Standard Home Insurance Policy May Not Cover Floods
Winter storms often bring floods. However, it is important to note that this is not covered by most home insurance policies. You will have to purchase a separate policy in order to get flood damage covered. It is also important to note that landslides are typically not covered by home insurance policies either. Fortunately, there are other policies that can cover landslide damage.
There Are Steps You Need To Take Before Filing A Claim
Most home insurance policies cover damages due to things like snow and ice storms. However, there are some steps you will need to take before filing a claim. The first thing you will need to do is contact your insurance provider and ask what is covered. You will also need to ask them about the information you need to file your claim. Additionally, you will need to provide photos and receipts in order to show proof of your loss. Make sure that you keep copies of everything you receive.
Your Auto Insurance May Cover Damage Done To Your Car
If your car is damaged because of a winter storm, then you may want to consider contacting your auto insurance company. Your auto insurance company may pay for all or part of the damages done to your car. If your carport is damaged, then your home insurance company will most likely pay for it. However, it is important to note that you will have to meet the deductible before insurance pays for anything.
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