May 3, 2010 in City, Idaho
Insurance policies allow protections from windstorms
Standard insurance policies typically cover wind damage to homes and businesses, but not to vehicles unless the auto policy-holder has optional comprehensive coverage, according to the Northwest Insurance Council.
Typical coverage includes
• Damage to homes from wind and fallen trees.
• Removal of trees that have fallen on buildings.
• Damaged personal property inside a building.
• Living expenses if damage renders a home unlivable.
• Cost of temporary repair to prevent further damage.
Typically not covered
• Removal of fallen trees that have not damaged buildings.
What to do if your home is damaged
• Document, photograph damage.
• Make temporary repairs to prevent further damage from wind or rain. Save receipts for reimbursement.
• Contact insurance agent immediately.
• Use only licensed contractor. Obtain building permits.
What not to do
• Avoid contractors who has for large deposits up front or remarkably low bids
• Don’t pay significant amounts for temporary repairs without contacting insurance agent.
• Don’t throw away damaged property before it has been examined by an insurance adjuster.
• For more information, visit www.getreadynw.org or call (800) 664-4942.