Due to the weather conditions, the
According to a news release issued from the insurance association, standard homeowners and renters insurance policies typically cover damage from wind and fallen objects or falling trees, which can be caused by a saturated ground.
Most basic homeowners insurance policies provide coverage for trees that fall on insured structures, the association said.
Standard homeowners and renters policies do not cover flood damage, which it said is the most common natural disaster in the
The National Flood Insurance Plan, or NFIP, has a 30-day waiting period before policies take effect, according to the release.
For flooded automobiles, comprehensive coverage is needed to cover flood damage. The association advises consulting with your insurance agent or company to see if you're protected.
The insurance association has offered the following tips on how to file a claim for car, home or business owners who have damage:
--Survey the damage and notify your insurance agent or company of any losses and leave contact information if you are not at home.
--Make any temporary repairs necessary to protect property from further damage. Keep all receipts for material used.
--Do not dispose of damaged personal property until an adjuster has had the opportunity to examine it.
--Photographs or video documentation of damaged property may be helpful.
--Find your insurance policy and have your policy number handy.
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