|By PR Newswire||
|February 10, 2014 02:30 PM EST||
HARRISBURG, Pa., Feb. 10, 2014 /PRNewswire-USNewswire/ -- Pennsylvania has experienced a combination of heavy snow and ice, strong winds and prolonged, frigid temperatures, with additional severe weather expected this week. Property damage and insurance claims often occur as a result, and the Pennsylvania Insurance Department is offering advice and tips for homeowners with questions about their insurance policies.
First, damage to your house and its contents caused by weight of snow or ice, creating a collapse, is covered under standard homeowner's insurance policies. Freezing conditions such as burst pipes or ice dams, when water is unable to drain properly through the gutters and seeps into a house causing damage to ceilings and walls, is also covered.
Most damage resulting from fallen trees is covered by your homeowner's policy, but consumers should check with their company before calling a tree removal service as removal costs may also be covered.
Consumers should also ask their insurance company about food spoilage as a result of a power outage, debris clean up, structural damage to your home, rain spouts, sewage problems, broken water pipes, freezing pipes and furnace damage, to name a few.
For drivers, your auto insurance coverage pays for damage you, or someone driving the car with your permission, may cause to someone else's property due to ice, snow and slippery roads. This also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car may hit.
Damage to your car resulting from colliding with another car, object, or as a result of flipping over is covered if you carry the optional collision coverage of your policy. It also covers damage caused by potholes.
If you opted to carry comprehensive coverage on your auto policy, damage to your car caused by heavy wind, flooding, falling ice or tree limbs is covered.
The Insurance Department recommends these steps to help make the insurance process easier to navigate:
- Contact your insurance company immediately and follow the instructions given to you by claims personnel. Keep a log of the people you spoke with and ask questions if you do not understand instructions.
- Separate damaged and undamaged property for the adjuster to examine. Do not throw away damaged property until your company's adjuster advises you it is all right to do so.
- Wait for the adjuster to arrive! Do not call anyone to repair or replace your loss without first getting instructions from your adjuster.
- If your home is damaged, make only temporary repairs until a claims adjuster looks at the damage. Permanent repairs could trigger a denial of your claim.
- Be careful when choosing a contractor to make repairs. Before signing a contract, check references to make sure you are working with a reputable firm.
If your claim is denied, review the terms of your policy for what is or is not covered. You may also file an appeal to your insurance company's claim manager. If questions remain, feel free to contact the Insurance Department.
For more information, visit www.insurance.pa.gov, or call the department's toll-free, automated consumer hotline at 877-881-6388 or the department's Harrisburg regional office at 717-787-2317.
Media Contact: Rosanne Placey or Melissa Fox, (717) 787-3289
SOURCE Pennsylvania Department of Insurance
Dec. 2, 2016 05:00 PM EST Reads: 4,055
Dec. 2, 2016 04:45 PM EST Reads: 2,085
Dec. 2, 2016 04:45 PM EST Reads: 1,953
Dec. 2, 2016 04:15 PM EST Reads: 277
Dec. 2, 2016 04:15 PM EST Reads: 309
Dec. 2, 2016 04:01 PM EST Reads: 213
Dec. 2, 2016 04:00 PM EST Reads: 1,854
Dec. 2, 2016 03:45 PM EST Reads: 622
Dec. 2, 2016 03:30 PM EST Reads: 3,182
Dec. 2, 2016 03:15 PM EST Reads: 1,440
Dec. 2, 2016 02:15 PM EST Reads: 1,510
Dec. 2, 2016 02:00 PM EST Reads: 4,817
Dec. 2, 2016 01:30 PM EST Reads: 5,690
Dec. 2, 2016 01:30 PM EST Reads: 1,805
20th Cloud Expo, taking place June 6-8, 2017, at the Javits Center in New York City, NY, will feature technical sessions from a rock star conference faculty and the leading industry players in the world. Cloud computing is now being embraced by a majority of enterprises of all sizes. Yesterday's debate about public vs. private has transformed into the reality of hybrid cloud: a recent survey shows that 74% of enterprises have a hybrid cloud strategy.
Dec. 2, 2016 01:15 PM EST Reads: 2,072