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Winter Storms: Are You Covered?

WINTER STORMS: ARE YOU COVERED? Make sure your home is covered for damage from blizzards, ice storms, and other winter weather WATER DAMAGE Freezing temperatures can cause pipes to burst, causing water damage. As long as you haven't left your house unoccupied and cold, most home insurance covers repairs for: Water damage Water damage to furnishings The broken pipe in your home ROOF DAMAGE Here's what a standard homeowner's policy should cover in these scenarios: Water leaks Roof cave-in due to Gutters through your roof: the weight of snow: clogged with ice: Covered: Covered: Covered: Water damage to your home Water damage to furnishings Damage caused by the weight of ice, snow, or sleet Damage to ceiling and walls from water leaks IF A TREE FALLS... Where are you likely to get help paying for the damage? A tree on your property damages your roof Your homeowner's policy should cover the cost of: • Removing the tree Repairing the damage to your house A tree blows over in a storm and damages your car in the driveway If you have comprehensive car insurance, it should cover damage to your vehicle from natural disasters like this A tree on your property falls and damages your neighbor's house, shed, or car Your neighbor should file a claim under their home and/or auto insurance A neighbor's tree falls on your property and damages your house Your insurance should pay for damages and reimburse you up to a certain amount (usually around $500) for the cost of removing the tree A tree falls on your property, causing no damage to anything outlined in your homeowners policy Your insurance won't pay for removal of the tree AVALANCHE! If a huge chunk of ice falls from your roof and lands on your car... Comprehensive car insurance coverage pays for damage to your car caused by something other than a car accident, such as: • Fire • Vandalism • Natural disasters • Theft • Animal Collisions insurance.cOm Created for Insurance.com © QuinStreet, Inc., 2013 Sources: Water damage: 7 homeowner scenarios, www.insure.com/home-insurance/water.html Hurricane and flood insurance: 5 must-know facts, www.insurance.com/home-and-renters-insurance/natural-disasters/isaac-windstorm-flood.html Chainsaw massacre: When a tree goes down who picks up the tab?, www.insure.com/home-insurance/insurance-for-fallen-trees.html Does insurance cover a roof collapse from the weight of snow?, www.insure.com/articles/homeinsurancefaq/home-insurance-roof-of-house-caves-weight- of-snow-covered-home-insurance.html tdi.texas.gov/pubs/consumer/cb011.html

Winter Storms: Are You Covered?

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When a storm rolls around, will your insurance have your back? This infographic will help understand homeowner's insurance in the event of a storm.

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