Loading

  We're here to protect insurance consumers

• Home
• Consumers
• Agents/Brokers
• Companies
• Contact Us

Common consumer questions

Winter weather and insurance coverage

Am I covered if my car was damaged by falling limbs or because my carport collapsed on top of it?

Your car: If you have comprehensive coverage under your auto insurance, it should cover the damage to your car.

Your carport: Your homeowner insurance should cover the damage to your carport.

Remember, both policies are subject to a deductible.

My neighbor's tree fell on my house. Whose insurance pays the bills?

It could go one of two ways:

1. Your homeowner policy pays for it and you are responsible for any deductible.
2. If your neighbor's insurance company finds them at fault for the tree falling, your neighbor’s homeowner policy pays for it. However, just because your neighbor owns the tree, doesn't mean they're automatically at fault. If the tree was healthy and the wind blew it down, your neighbor most likely couldn't have predicted or prevented it from falling.

I lost power for several days during a windstorm and the food in my freezer thawed. Am I covered?

Most homeowner policies provide coverage for this, but it might not be worth it to report. It depends on the dollar amount of your loss vs. your deductible amount.

I’m concerned about flooding. Will I be covered?

Homeowner insurance doesn't cover floods. You'd have to buy a separate policy to protect your property against flood water. Flood insurance is available through the National Flood Insurance Program (NFIP).

My television set was ruined when the power came back on. Am I covered?

Most homeowner policies cover appliances ruined by power surges, regardless of whether they're related to an outage. However the claim would be subject to your deductible.

My boat sank from the strong winds. Am I covered?

It depends on your boat insurance policy. Check your policy and talk with your insurance agent.

My house is threatened by the possibility of landslide. Is this covered?

Homeowner insurance does not cover landslides. If your home is located in an area prone to landslides, talk with your agent to find out if there are other insurers that will cover landslides on a separate policy.

How do I file a claim?

Contact your insurance agent or insurance company.

Updated 05/07/2012