As heavy winds blow across California, Insurance
Commissioner Dave Jones today advised all Californians to be wary of
weather-related dangers and urged homeowners to conduct a home inventory as
soon as possible to ensure that their homes and possessions are properly
covered.
Commissioner Jones also urged consumers to review
their insurance coverage on a regular basis including supplemental insurance
policies. “While wind damage is covered under a homeowner’s policy, consumers
must be aware that policies read differently so you need to be familiar with
the specific language in your individual policy,” said Commissioner Jones.
“There can be some exceptions to standard insurance policies that homeowners
should be aware of.”
Fallen trees and flying debris are common
occurrences when there are heavy winds like the ones whipping through
California. It is common for trees to uproot and fall during high winds. The
homeowner’s policy usually covers the cost of tree removal but is often subject
to sublimits – such as $500 per tree and perhaps a maximum limit for all trees
removed of $1,000. Again, check the language in your policy for the coverage
that applies. If a covered loss leaves debris that must be removed, there may
be coverage for the cost of removing the debris. If your car is hit by a tree,
damage is covered by your auto policy’s “physical damage” coverage provided
that you have it.
A Few Tips to Keep in Mind
- A complete household inventory list will provide a permanent record of the home’s contents and value, serial numbers listed for electronic items and appliances;
- After a loss, make temporary repairs to prevent further damage;
- After you suffer a loss, you should immediately report the damage to your insurance company agent or representative to start the claims process.
