After a winter like we just had in Minnesota, spring could not come soon enough. However, it is important to remember that damage can occur any time of year. Unfortunately, with warmer weather, comes harsh, damaging storms that can wreak havoc on your home and property. When a storm hits and causes damage, it can be a stressful and upsetting time and you may not know what to do or where to begin. That’s why, the experts at Norcia are here to answer all of your insurance claims questions about your Minnesota property. We have received quite a few over the years so we would like to answer some of the most common ones here. And remember, our trained professionals are here to offer assistance whenever you need us.
How do I know if my homeowners insurance covers flood damage?
Unfortunately, chances are, your policy does not cover flood damage. Most policies cover damage from falling water or rain blown by the wind, but not from rising water or flooding. In many cases homeowners must have a separate or additional flood policy that covers rising water or flooding.
What if my home is too damaged to live in after it’s been hit?
If possible, find temporary shelter either with family or friends. Or, rent temporary shelter. If your home is uninhabitable because of physical damage, most homeowners’ policies will pay additional living expenses while your property is being repaired. Our insurance claims experts can help answer insurance claims questions like these by thoroughly combing through your policy and speaking directly with your insurance company to clear anything up. We will speak on your behalf to help you get what you need and what you deserve.
My home was damaged by a fallen tree, is that covered?
Damage to your home from fallen trees is usually covered under most homeowners’ policies. Most companies will pay to have trees removed from the damaged structure however not all companies will do so.
When it comes to your parked vehicle, your comprehensive automobile insurance will cover damage that occurs there.
What is the first thing I should do after my home’s been damaged by a spring storm?
First, make sure everyone is safe. Once you’ve ensured everyone’s safety, contact your insurance agent or your insurance claims adjuster for instructions on what to do until they arrive. You can begin preparing an inventory of personal property damaged and take pictures of any damage to the property. Our insurance claims professionals from Norcia can do all of this for you as well.
Still have more insurance claims questions? For more answers to your insurance claims questions in Minnesota, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.