|[November 28, 2012]
MEDIA ADVISORY: Insurance Experts Answer Storm Damage Questions
LOS ANGELES --(Business Wire)--
With a series of storms poised to pummel California, the Insurance
Information Network of California offers the following advice:
Question: My home was damaged in the storm, but I'm not sure that
it's covered by my homeowner insurance. What should I do
Answer: Contact your insurance agent or insurance company's claim
department. By filing a claim, you will initiate a process that will
evaluate whether you have insurance to cover your loss.
Question: The storm caused a tree to fall on my home. Does my
homeowner insurance policy cover the damage
Answer: Yes. The damage to your home would be covered and most
policies will also cover up to $500 for tree removal. However, if the
tree fell into your yard and did not cause damage to your home, the tree
removal would be your own responsibility.
Question: Rising water flooded my home. Am I covered
Answer: Yes, if you have flood insurance. However, a standard
homeowner insurance policy does not cover flood damage. Flood insurance
is typically available from your agent through the Naional Flood
Insurance Program (www.floodsmart.gov
or 800-427-9662). Keep in mind that it takes 30 days from the time you
purchase the policy for it to take effect. The standard homeowner policy
covers damage from water that falls from the sky (rain, sleet, snow and
hail), but a flood policy covers damage from rising water.
Question: A hill collapsed and slid into my home. Does my
homeowner insurance policy cover this damage
Answer: No. Landslides and mudslides are not covered by either
homeowner or flood insurance policies.
Question: Winds blew shingles off my roof, causing a leak that
allowed rain to soak my living room. Would I be covered for this damage
Answer: Typically, yes. Homeowner insurance covers losses
resulting from wind damage, such as rain entering the home from a
wind-damaged roof. It does not cover damage from an aging or poorly
maintained roof, however.
IINC is a non-profit and non-lobbying trade association dedicated to
helping the public understand insurance and manage risk. For more
information, please visit www.iinc.org.
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