70’s in Wisconsin in November?! It’s hard to believe the incredible weather we’ve had this fall. It’s tempting to think the cold, snowy winter months will never come this year. But try as we might to deny it, winter is coming.
That’s why now is the time to check your homeowner’s insurance coverage and vehicle insurance policies to make sure they’re protected before the snow begins to fall.
The first step is to check with your local insurance agent to see what’s covered in your policies. Homeowners and vehicle insurance coverage policies typically provide basic protection but some have a broader range of coverage than others. It’s important to know what exactly your policy includes.
First, if a fallen tree is to blame for the power outage, you may be covered by your homeowner’s policy. Second, regarding food spoiling in your refrigerator or freezer, a homeowners or renters policy often allows for compensation for food losses, but only up to a certain (usually fairly low dollar) amount. If your deductible is equal to or greater than this amount, unless you have other losses, you probably can’t claim just the loss of the flood.
Finally, hail damage can occur during the winter months as well. I encourage you to talk to your agent about vehicle and homeowners policies for hail coverage.
Make sure you have a copy of your policy or insurance card handy when you contact your agent. Understanding the ins and outs of your policy before winter hits will make sure you are ready for anything and prepared to respond.
by A&J Specialty Services, Inc. DKI