Covered Losses in a Standard Homeowners PolicyFebruary 10, 2014
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.
Your standard homeowner’s policy (Broad form) may cover the following list of perils:
- Fire & Lightning
- Windstorm & Hail
- Riot or Civil Commotion
- Non-owned vehicles of Aircraft damage
- 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
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.
Disclaimer: Information and claims presented in this content are meant for informative, illustrative purposes and should not be considered legally binding.