As a home and property owner, it is important to have the right coverage for the undesired — and sometimes unanticipated — events that life throws at you. But no policy is perfect. Occasionally, there will be situations that do not fall within your insurance coverage. We encourage you to be aware of your ownership responsibilities so that you do not find yourself in the unfortunate position of having an insurance claim denied. Here are a few ways to prevent such situations this season:
1. Make sure your roof is properly maintained.
Roof damage is typically covered in some part by insurance, but not always. If your roof has not been maintained well or is past its life expectancy, any resulting leaks or other damage likely won’t be covered. For further reading, see Erie Insurance’s advice on picking the right coverage for your roof.
2. Unblock your gutters and other street drainage.
Make sure the immediate area around your property is clear of leaves and debris, which can prevent proper draining and cause water damage. Sewer backup may or not be covered on your policy, so if you’re not sure, it’s a good idea to check. Even if blockages are not technically on your property, you may still be responsible for clearing them.
3. Winterize your recreational vehicles.
If you are new to owning a boat or another summer vehicle, make sure you know how to protect the engine, fluids, and exterior. Boat policies will cover many types of sudden damage to your vehicle, but it is up to you to keep up with seasonal care and maintenance.
4. Check to see if your policy covers deer collisions.
Accidents involving deer are extremely common in the fall and winter, especially in our area of Southeastern Pennsylvania. If you do happen to hit one, your auto policy may or may not cover the damage. Erie Insurance says: “deer-vehicle collisions are covered under the comprehensive portion of your auto insurance, which is an optional coverage you can choose to add on.” Either way, it is wise to use extra caution this time of year. Wear your seatbelt, use your high beams… and make sure your eyewear prescription is up-to-date!
5. Continue to watch out for scammers capitalizing on the pandemic.
Identity theft and other cybercrimes have become even more prevalent during the COVID-19 pandemic. Be vigilant, and do not give out personal information to parties you don’t know or trust. In addition to this, make sure you know how to spot fake messages that may appear to come from a trustworthy source (this guide is a helpful place to start).
Remember: Warren Weiss is more than just an insurance team. Talk with us to form a comprehensive risk management plan using multiple strategies to help you protect what matters most.