New York State
James J. Wrynn Superintendent of Insurance 25 Beaver Street New York, N.Y. 10004
|ISSUED 02/08/2011||FOR IMMEDIATE RELEASE|
A snow plow operator accidentally hits your house while clearing the driveway. Ice and snow buildup on the roof leads to water damage inside your house. Ice-laden tree limbs fall and damage your roof.
What kinds of losses are covered under most homeowners’ insurance policies? What should consumers consider to make sure that they are protected against property damage caused by harsh winter weather?
“Homeowners’ insurance policies provide basic protection but some policies provide a greater range of coverage than others. Consumers should review their policies and consider adding coverage if necessary. They should also keep in mind that they may have to pay deductibles when filing claims,” Insurance Superintendent James Wrynn said.
The New York State Insurance Department urges consumer to keep these points in mind when evaluating their insurance needs:
Consumers should contact their insurance agent, broker or company as soon as possible after property damage occurs. They should act to prevent further damage from occurring, but should not make permanent repairs until after an insurance company adjuster has inspected the property.
Assistance for winter storm-related insurance inquiries or complaints is available by contacting the Department’s Consumer Services Bureau toll-free number at 1-800-342-3736 from 9 a.m. to 5 p.m., Monday through Friday. Information is also available on the Department’s website, www.ins.state.ny.us.