STORM DAMAGE

STORM DAMAGE

Insurance checks

The Ohio Insurance Institute advises Ohioans to check with your insurance agent or company regarding current coverage limitations. Some of these related damages are covered under a standard homeowners, renters or auto policy; some are covered under a standard homeowners, renters or auto insurance policy; some are covered to a noted limit; while other coverages typically apply only through policy endorsements.

Debris removal: Typically, the cost associated with removing a fallen tree (or trees) is covered up to $1,000 ($500/tree) under the following circumstances: The tree was uprooted due to windstorm or a neighbor’s tree was downed under the same circumstances; the tree damaged a covered structure such as the roof, garage or shed; the fallen tree has not damaged covered property but blocks the insured’s driveway or handicap access ways.

Tree damage: The homes’ trees, shrubs, plants or lawn are not covered from damage caused by high winds. Such damages are covered from the perils of fire, lightning, explosion, riot or civil commotion, aircraft, nonowned vehicles, vandalism, malicious mischief or theft. The limit is 5 percent of the dwelling amount, but no more than $500 for any one tree, shrub or plant. If lightning strikes a tree and falls on your home, homeowners coverage applies as noted.

Vehicle coverage: Vehicles damaged by debris or fallen trees/limbs are covered under the “other-than-collision” (also known as “comprehensive”) portion of an auto insurance policy. This is optional coverage that protects insured vehicles in situations other than a collision or overturn. Vehicles damaged by your tree or a neighbor’s tree/limb are covered under your auto policy’s comprehensive coverage. Deductibles apply.

Home contractor repair tips: Beware of rip offs. Carefully check the background of contractors and others who promise “cheap” repairs. Contact your local home builders association or Better Business Bureau. Obtain several estimates and request customer references. Be sure estimates include all contractor info, including the contractor’s name, address and phone number.

Food spoilage: Homeowners insurance policies differ, but food spoilage is normally excluded if the cause of loss is an off-premises power outage (downed power lines, etc.)

Source: OII