Homeowners insurance carriers should be aware of what is covered - and what do

Homeowners insurance carriers should be aware of what is covered - and what do -

The dangerous and costly winter weather this year, especially in the Midwest where the Wheeling office , IL AccuQuote is located, has many homeowners are wondering exactly what is covered in their insurance policy owners -. and it is not

dangerous winter weather that has swept the country made many people question their risk insurance policy and what it covers. The conditions have brought dangerous ice, heavy snow and freezing cold temperatures. These factors may cause injury to persons and damage to property, which is why it is important to know what is included in the coverage.

dangerous and costly problems

weather this winter has resulted in many areas. People suffered from heavy snow collapses roof and water damage from frozen pipes. These issues are generally covered by most basic insurance plans owners. However, there may be a few exceptions. If a house is vacated and the water is not cut off, a policy may not cover damage resulting. A homeowner should check their policy and properly prepare their house if it is left unattended for a prolonged period of time, suggests HomeownersInsurance.net.

falls on slippery ice are common during the winter months. Typically, homeowners insurance has liability coverage that will pay for financial damages for most injuries occurring on the property of a covered person. Limits vary and an owner must work with an agent to assess their risk to determine the appropriate level of liability coverage.

If a person falls because of ice in front of a house and decides to continue, if it is covered by homeowner's policy also depends on local snow removal statues. Some require by law that maintaining the sidewalk in front of a house is the owner's responsibility. In this case, the home insurance policy will be in effect.

If a home insurance application must be made, the owner should take pictures before Clean or repairs. A home inventory must be made before a claim. Here is a detailed list of personal property in and around the house. In addition to a list, owners should keep receipts for expensive items and make a photo diary or video recording of all elements of the house. A copy of this document should be kept in a safe place outside the home.

Press Release HomeownersInsurance.net.

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