Gregory V. Serio, Superintendent of the New York State Insurance Insurance Dept. welcomed Governor Pataki’s declaration of November 4-10 as “Winter Preparedness Week” with a statement reminding consumers that winter storms can result in tremendous property damage, and urging them to review their insurance policies to make sure they have adequate coverage.
He listed several important coverage aspects which should be checked, including:
– Homeowners’ insurance policies should cover damage to your home as a result of such perils as wind and falling objects.
– Flooding is generally not covered under standard homeowners policies, but is available through the Federal Emergency Management Agency’s National Flood Insurance Program.
– Coastal area residents may have a separate windstorm deductible, and may need a separate policy for protection against wind and wind-blown water damage.
– Damage to automobiles from falling objects is covered if your automobile policy has comprehensive physical damage coverage for the damaged vehicle.
– To assist in proving a claim against your insurer, it is important to keep a written inventory of household possessions, receipts for the purchase of items, and/or a videotape or photographs of your household possessions.
The NYSID reminded New Yorkers to contact their individual insurance representatives as soon as possible following any damages, and to take any steps necessary to protect their property from further harm, such as covering any roof that’s been damaged by a storm.”Permanent repairs should wait until the insurance company’s adjuster has inspected the property.”|”nysid, advises, consumers, prepare, winter, storms
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