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Insurance and Winter Water Damage in Indiana
Snow and ice can prove to be dangerous and lead to severe damage for properties and even vehicles. As such, it is important to know what to do and how to react when your home is damaged. In Indiana, the Indiana Department of Insurance has issued some general guidelines that its citizens can follow when dealing with a property damage claim that relates to water damage.
In the event of water damage in Indiana, the insurance company or agent should be contacted. Be prepared to give the policy number as well as other relevant information as soon as possible. There is a need to be fully cooperative with the insurance company and to comply with the documents, forms, and other data they require. Many experts suggest taking photographs or video of the damage to help facilitate the claim.
The next suggestion by the Department of Insurance for water damage in Indiana is to make the repairs necessary to prevent further damage to your property. This can include covering broken windows, leaking roofs, and damaged walls. The idea is to prevent the situation from worsening and incurring more costs. However, do not have permanent repairs made until the insurance company has made an inspection on the property and an agreement on the cost of repairs has been reached.
Save all receipts, including those from the temporary repairs covered by your insurance policy to help with the claim later on. If the home is damaged to the extent that it is no longer inhabitable, ask the insurance company if there is a coverage that applies for additional living expenses incurred for accommodations while repairs are being made. If the policy allows it, save all receipts to document the costs.
What damage to your home is covered?
The damage caused by wind, rain, fallen trees or other similar objects, or even the collapse of the structure because of the weight of ice or snow are usually covered by most standard homeowners policies. However, frozen pipes as the result of extreme cold weather may not be covered by the policy if the damage was due to negligence, such as failing to maintain the proper temperature in the house when there is an ability to do so.
If you have a dispute with your insurer about the amount or terms of the claim settlement, you can contact your state insurance department for assistance.
Author Resource:-
Leo Nov is an editorial staff member of RestorationSOS.com, a leading service provider for fire and water damage cleanups. To learn more about water damage Indiana and water damage, visit RestorationSOS.com
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2010-05-25 16:54:50 By:
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