Covered Losses in a Standard Homeowners Policy

This has been a record-breaking winter for the Susquehanna Valley. From snowfall amounts to frigid temperatures and sub-zero wind chill factors. We have had slick roads, high winds, and ice-laden trees, which have made for many calls inquiring about what is actually covered on a homeowner’s policy.

What is Covered by Standard Homeowners Insurance?

Your standard homeowner’s policy (Broad form) may cover the following list of perils:

  • Fire & Lightning
  • Windstorm & Hail
  • Explosion
  • Riot or Civil Commotion
  • Non-owned vehicles of Aircraft damage
  • Smoke
  • Vandalism
  • Theft (limited)
  • Glass breakage
  • Weight of ice, sleet, and snow
  • Collapse of building ( not settling damage)
  • Freezing of plumbing or heating system
  • Accidental leakage of plumbing or heating system

Important Considerations in the Event of a Loss

Here are a few points to remember in the event of a loss:

  • Your policy may cover the dwelling, other structures on the property and your personal belongings
  • It is your responsibility to ensure that your property is maintained in a way to avoid loss
  • The loss is covered only if it is caused by one of the perils listed on your policy (see above for an idea of what this may include)
  • After a loss, you are responsible for taking measures to avoid any further loss
  • You are responsible for paying the deductible amount on your policy

Final decisions about whether a loss will be covered, and for how much, is ultimately the decision of a trained claims adjuster.

Please note that the above information is not by any means all-inclusive but will hopefully help in determining if you did in fact experience a covered loss. There is additional coverage that can be added to your policy to increase your protection.

Call your agent right away when you’ve experienced a loss and we will do our best to walk you through the process. For help with your homeowner’s policy, call Ruhl Insurance at 717-665-2283 or 1-800-537-6880.

Disclaimer: Information and claims presented in this content are meant for informative, illustrative purposes and should not be considered legally binding.