How Can Insurance Protect You?

6/4/2018 (Permalink)

Over the years SERVPRO of Southeast Portland has helped customers who have been forced to evacuate their homes to access temporary accommodation and pay for repair work. Aside from water damage, common problems from storms include collapsing roofs, fallen powerlines and smashed windows from falling trees, branches and other debris.

If you have home insurance, you should check what you could be covered for in the event your property is affected by a strong storm.

If your house has been affected, your insurer will help you to assess the damage, but it's important to understand that insurance companies will each have their own measure of what constitutes a storm. This will be a big factor in whether a claim will be accepted or not.

It's important to remember that you're responsible for maintaining your home in a good state of repair. If you're claiming for storm damage some insurers will ask you to confirm the date of the incident and show pictures of how the conditions at the time damaged your home. They may appoint one of their specialists to inspect your home or ask you to send them a report by your contractor.

Loss or damage to fences isn't covered by some policies, so make sure these are secure as they can be, to withstand a bad storm. 
 
Powerful storm winds, rain and hail can cause car damage too, Vehicles can be swept off the road and engines flooded. If your car is damaged in a storm, this may be covered by insurance depending on your chosen level of cover.