Recognizing the details regarding the coverage that you have purchased for your house can be important when you want to protect your assets. Your homeowners insurance rates and the details of your coverage can vary, so it is important to learn about the items that are covered before you make a claim.
Most storm damage is covered by your policy, but be aware of any potential exceptions in your plan. Generally, damage to your roof or house from hail, wind and related situations will be covered. Damage from a flood is not usually covered under a basic plan unless you purchase additional protection.
Damage from Neighbors
When a tree branch from your neighbor’s yard falls on your house or a similar situation arises that directly relates to your neighbors, you may be covered in most situations. If the situation relates to neglect, then it is usually your neighbor’s responsibility to pay for the damages. If it is related to wind, a storm or other situations that are not neglect, then your insurance will usually offer some coverage to pay for the damages.
Damage from Others
A burglary or break-in can result in damage to your property. In most cases, situations that relate to criminal activities like burglary and vandalism are covered in your insurance policy. You may need to make an official police report before the claim is processed to show that the situation was beyond your personal control.
When your property is damaged, it helps to recognize the coverage that you have available. Depending on your policy, the exact situations that are covered may vary slightly. Generally, damages that are beyond your personal control or do not relate to neglect will be covered unless it is excluded from the plan. To learn more about your options, contact us to talk to an agent today.