Storm damage? Tips for Navigating Insurance Coverage

0

CHARGING DEVICES. BEN: LIKE ISHE T CASE AFR TEANY STORM, MANY PEOPLE ACROSS NEW ENGLAND TAKE OUT THEIR TSEO E HOME INSURANCE POLICIES IF THEY ARE COVERED. THE BIGGEST QUESTIONS WE GET INVOLVE FALLEN TREES OR FLOODS. LET’S START WITH TREES, IN GENERAL, IT DOESN’T MATTER WHO OWNS THE TREE, IF YOUR NEIGHBOR’S TREE FALLS INTO YOUR PROPERTY, YOUR INSURANCE POLICY COVERS YOUR DAMAGE, AND YOUR NEIGHBOR’S COVERAGE. RS THE ONLY EXCEPTION IS IF YOU HAVE PROOF OF YOUR NEIGHBOR’S NEGLIGENCE, FOR EXAMPLE THE TREE IS DEAD AND YOU HAVE TEXT MESSAGES TOLD THEM TO TAKE IT OFF. NOW TO THE FLOODS. STANDARD OWNER, CONDO OR RENTAL POLICIES DO NOT COVER WATER DAMAGE DUE TO AN OOFL AND THEY DO NOT COVER BASEMENT WATER LEAKAGE. IF YOU ARE FORCED OUT OF YOUR HOME. OR CLEANING UP DEBRIS AFTER A FLOOD. SOME INSURANCE COMPANIES OFFER ADDITIONAL COVERAGE IF YOUR SUMP PUMP FAILS. LET’S TALK ABOUT THE FOOD IN THE REFRIGERATOR, THE BASIC INSURANCE POLICY DOESN’T COVER FOOD TAKEN IN A POWER FAILURE, Besides, IF YOUR ELECTRICITY IS OUT FOR FOUR HOURS OR MORE, JUST TO EVERYBODY, IT IS TIME TO START SINGING FOOD. WHICH INCLUDES MEAT, EGGS, MILK, YOGURT AND SOFT CHEESES. FREE

Storm damage? Tips for Navigating Insurance Coverage

Is spoiled food covered? Probably not

After the powerful snowstorm that swept through Massachusetts, many homeowners are withdrawing their insurance policies to find out if they are covered for related damages. The most common questions relate to felled trees or flooding. If a tree falls on your property, it doesn’t matter who owned the tree. When a neighbor’s tree causes damage to other property, your insurance policy covers your damage and your neighbor’s policy covers theirs. The only exception is if you have proof of your neighbor’s negligence. When it comes to flooding, standard homeowner, condo, and rental policies do not cover water damage due to flooding or water infiltration into a basement. They also won’t pay for living expenses if you’re forced out of your home or cleaning up debris after a flood. Some insurance companies offer additional coverage that you can purchase if your sump pump fails. When it comes to food in a refrigerator or freezer, basic insurance policies do not cover food that spoils during a power outage. If the power goes out for four hours or more, it’s time to start throwing away perishable foods from the refrigerator such as meats, eggs, milk, yogurt, and soft cheeses. Items in the freezer should be safe for 24-48 hours.

After the powerful snowstorm that swept through Massachusetts, many homeowners are withdrawing their insurance policies to find out if they are covered for related damages.

The most common questions relate to felled trees or flooding.

If a tree fell on your property, it doesn’t matter who owned it. When a neighbor’s tree causes damage to other property, your insurance policy covers your damage and your neighbor’s policy covers theirs.

The only exception is if you have proof of your neighbor’s negligence.

When it comes to flooding, standard homeowner, condo, and rental policies do not cover water damage due to flooding or water infiltration into a basement.

They also won’t pay for living expenses if you’re forced out of your home or cleaning up debris after a flood. Some insurance companies offer additional coverage that you can purchase if your sump pump fails.

As with food in a refrigerator or freezer, basic insurance policies do not cover food that spoils during a power outage.

If the power goes out for four hours or more, it’s time to start throwing away perishable foods from the refrigerator such as meats, eggs, milk, yogurt, and soft cheeses. Items in the freezer should be safe for 24-48 hours.


Source link

Leave A Reply

Your email address will not be published.