Storm cleanup: What’s covered by insurance?


A LOT OF YOU WILL BE IN REPAIR AND CLEAN UP MODE THIS WEEKEND IN THE AFTERMATH OF WEDNESDAY’S STORMS. BUT THERE ARE A FEW THINGS YOU NEED TO KNOW… ESPECIALLY IF YOUR HOME WAS DAMAGED BY THE WIND. 3 LEON:..NEWS 8’S JOE LAFURGEY IS HERE WITH MORE. 3 JOE:..THE BEST ADVICE BEFORE YOU START CLEAN UP AND REPAIRS…TAKE A LOT OF PICTURES.ASK A LOT OF QUESTIONS. 3 IF YOU’RE DEALING WITH DAMAGE FROM WEDNESDAY NIGHT’S STORM… CHANCES ARE YOUR BEST FRIEND IS THE ONE WHO OWNS A CHAIN SAW.YOUR INSURANCE AGENT IS PROBABLY A CLOSE SECOND. ((DEREK BOER, BOER INSURANCE GROUP/YOU HAVE A LOT OF QUESTIONS WHEN YOU LIFE GETS THROWN IN TURMOIL WHEN TREES COME DOWN ON YOUR HOUSE IN THE MIDDLE OF THE NIGHT…))AND THE QUESTION AGENTS LIKE DEREK BOER OF BOER INSURANCE GROUP GETS THE MOST… WHAT’S COVERED?THE ANSWER?IF A TREE FELL IN THE YARD… IN MOST CASES… IT’S YOUR RESPONSIBILITY TO HAVE IT CLEARED OUT. IF IT HIT YOUR HOUSE… THAT’S ANOTHER STORY. 3 (( DEREK BOER, BOER INSURANCE GROUP/TYPICALLY, YOUR INSURANCE POLICY IS GOING TO HELP YOU REMOVE TREES THAT ARE LEANING UP AGAINST YOUR HOUSE OR YOUR GARAGE. THEN, THERE’S USUALLY SOME LIMITED COVERAGE TO CHOP THEM UP AND GET THEM OFF OF YOUR PROPERTY. )) OF COURSE, IF YOU HAVE DAMAGE, YOU’VE PROBABLY ALREADY BEEN ON THE PHONE TO ARRANGE THE REPAIRS.BUT BEFORE YOU MAKE THOSE ARRANGEMENT.. MAKE SURE THE INSURANCE ADJUSTER CAN SEE THE BEFORE… NOT THE AFTER.(( DEREK BOER, BOER INSURANCE THING I WOULD SAY IS YOU CAN NEVER TAKE TOO MANY PICTURES. )) SO BY NOW… YOU’VE FOUND A CONTRACTOR THAT WILL HELP YOU OUT. BUT YOU’LL WANT TO MAKE SURE YOUR CLAIM IS NOT RED FLAGGED BY YOUR INSURANCE COMPANY. 3 (( DEREK BOER, BOER INSURANCE GROUP/WE’VE SEEN A COUPLE OF COMPANIES THAT WILL BRING A CRANE OUT TO LIFT A SMALL LIMB OFF OF SOMEONE’S ROOF… AND THEN THEY CHARGE YOU $6 GRAND FOR DOING SO BECAUSE INSURANCE COMPANY’S GOING TO PAY IT. )) CHANCES ARE THE ANSWER TO WHETHER YOU’RE PAYING A FAIR PRICE MY BE ON THE OTHER SIDE OF THE FENCE. 3 (( DEREK BOER, BOER INSURANCE GROUP/IF YOU’VE GOT NEIGHBORS WHO ARE GETTING SIMILAR SERVICES DONE, JUST ASK THEM WHAT THEY’RE PAYING. )) 3 JOE:..WHAT ABOUT THAT BUDDY WITH THE CHAIN SAW?IF THEY GET HURT… CAN YOU GET SUED?BOER SAYS MOST HOMEOWNER’S LIABILITY COVERAGE WILL PROTECT YOU. 3 3

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