Insurance Experts Answer Storm Damage Questions.LOS ANGELES Los Angeles (lôs ăn`jələs, lŏs, ăn`jəlēz'), city (1990 pop. 3,485,398), seat of Los Angeles co., S Calif.; inc. 1850. -- With the latest storms causing widespread damage, the Insurance Information Network of California offers the following advice: Question: The storm caused a tree to fall on my home. Does my homeowner insurance policy cover the damage? Answer: Yes. The damage to your home would be covered and most policies will also cover up to $500 for tree removal. However, if the tree fell into your yard and did not cause damage to your home, the tree removal would be your own responsibility. Question: My pool overflowed in the rain and flooded my home. Am I covered? Answer: Yes. It would be covered if you have flood insurance Flood insurance denotes the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands and floodplains that are susceptible to flooding. , however, a standard homeowner insurance policy does not cover flood damage. Flood insurance is available from your agent through the National Flood Insurance Program The National Flood Insurance Program (NFIP) was created by the Congress of the United States in 1968 through the National Flood Insurance Act of 1968 (P.L. 90-448). (www.fema.gov/nfip or (800) 427-9662). Keep in mind that it takes 30 days from the time you purchase the policy for it to take effect. The standard homeowner policy covers damage from water that falls from the sky (rain, sleet sleet, precipitation of small, partially melted grains of ice. As raindrops fall from clouds, they pass through layers of air at different temperatures. If they pass through a layer with a temperature below the freezing point, they turn into sleet. , snow and hail), but a flood policy covers damage from water that rises from the ground. Question: A hill collapsed and slid into my home. Does my homeowner insurance policy cover this damage? Answer: No. Landslides and mudslides are not covered not covered Health care adjective Referring to a procedure, test or other health service to which a policy holder or insurance beneficiary is not entitled under the terms of the policy or payment system–eg, Medicare. Cf Covered. by either homeowner or flood insurance policies. Question: Winds blew shingles shingles: see herpes zoster. shingles or herpes zoster Acute viral skin and nerve infection. Groups of small blisters appear along certain nerve segments, most often on the back, sometimes after a dull ache at the site; pain becomes off my roof, causing a leak that allowed rain to soak my living room. Would I be covered for this damage? Answer: Typically, yes. Homeowner insurance covers losses resulting from wind damage, such as rain entering the home from a wind-damaged roof. It does not cover damage from an aging or poorly maintained roof, however. Question: My car was caught in a flash flood. Will my auto insurance cover the repairs? Answer: Yes. The comprehensive portion of the auto insurance policy would cover any damage to your car not caused by an auto accident. If you are involved in a rain-related accident, that damage would be covered by the collision portion of your policy. IINC IINC Insurance Information Network of California is a non-profit, non-lobbying insurance trade association dedicated to helping consumers understand insurance and safety issues. To schedule an interview, call media relations at (213) 738-5333 or (925) 969-2223 in Northern California. Additional information is available on the Web at www.iinc.org. |
|
||||||||||||
Printer friendly
Cite/link
Email
Feedback
Reader Opinion