Haverhill insurance agent urges safety first

March 16--A homeowner called Fred Malcolm Wednesday to report a tree fell in his yard during the nor'easter, causing possible damage to a small tractor, a boat and lawn furniture.

The homeowner wasn't exactly sure how much damage occurred -- but he wanted Malcolm, his insurance agent, on alert that he might need to file a claim.

"This weather has just been incredible," said Malcolm, owner of Anthony & Malcolm Insurance at 3 S. Central St. in the Bradford section of Haverhill.

Tuesday's snowstorm dropped trees throughout the region, leaving Merrimack Valley and southern New Hampshire residents with damage to homes, property and vehicles.

Insurance experts urged those with damage to proceed safety, take pictures and to call or email their insurance companies as as soon as possible.

"Take as many pictures as you can," urged insurance agent Michael Sullivan.

Then, try to stabilize the problem and make the area safe. Finally, get a hold of your agent, said Sullivan, who works for his family's business, Sullivan Insurance with offices in Lawrence, Methuen and North Reading.

He said some insurance carriers have easy-to-use websites where you can directly file a claim.

"I know Arbella does. That's our big carrier. And they'll call you back about sending someone out to take a look at the damage," Sullivan explained.

On Monday, Gov. Charlie Baker warned Massachusetts residents to stay off the roads during the storm Tuesday. Sullivan said that type of warning helps to reduce insurance claims.

Also, the storm hit mid-day, when people were hunkered down at home and less likely to venture out and risk an accident.

"That really reduces the number of auto claims throughout the state," said Sullivan.

Malcolm, who has worked in the insurance industry for 41 years, said he always stresses "safety first" with his customers.

If a tree has fallen, make sure it hasn't pulled down any power lines or left any property "open to weather."

"Rain or snow can cause further damage," he said.

He then suggested calling a tree expert and notifying your insurance agent.

Malcolm also suggested taking photos.

Wednesday, when a customer called to report damage to a tractor, boat and lawn furniture, Malcolm said he initially asked if there was any "urgency" in getting the tree moved.

His customer said the tree was small enough "that he could remove it himself."

Malcolm told him to kept track of the time he spent cleaning up the area. In a week or so, they will talk again about damage, he said.

He said this winter's weather has disrupted tree roots, particularly pine tree roots, "which has weakened them."

While the nor'easter is behind us, both Sullivan and Malcolm warned the potential for future damage lurks.

Heavy wet snow and ice was left behind on roofs, gutters and awnings which could create issues.

"As snow melts on a roof there could be collapse issues and ice dams ... If you can try to clear off your roof and awnings," Sullivan suggested.

Follow staff reporter Jill Harmacinski on Twitter @EagleTribJill.

INSURANCE TIPS

Tips for dealing with damage and insurance companies

- When damage occurs, notify your insurance company right away.

- Take whatever reasonable steps you can to prevent further damage.

- Take pictures or video of the damage.

- Don't throw away the damaged property.

- Save receipts for anything you spend on cleanup and repairs.

- Keep notes and a list of damaged items.

- Call the Massachusetts Attorney General's Insurance and Financial Services hotline at (888) 830-6277 if you run into any problems.

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