Winter storm alert: How to recover and rebuild with insurance

What does insurance cover?

Property

Standard homeowners and business insurance policies generally cover winter storm losses such as water damage from burst pipes and damage to structures caused by fallen trees and the weight of ice and snow.

Renters insurance covers losses to personal property (e.g., furniture, bedding) within your individual apartment. Damage to an apartment building is covered by the property management company’s or owner’s insurance policy.

Homeowners and renters insurance also includes Additional Living Expenses (ALE) coverage if your residence is made uninhabitable because of a covered loss.

Vehicle

Multi-vehicle accident damage is generally covered under either the mandatory liability portion of a negligent driver’s auto policy; or the optional collision coverage portion of a policy.

Damage to a vehicle from a crash into an object (e.g., tree, guard rail) is covered under collision coverage.

Damage to a vehicle from fallen tree limbs or ice is covered under optional comprehensive auto coverage.

How do I file a claim?

After a natural disaster, you want to get back to normal as soon as possible. Your insurance company is there to help you. You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings.

Here is what you need to know about claims payments, including how to file a claim, and what to expect during the process.

How to file a homeowners claim

How to file a business claim

How to file an auto insurance claim

Understanding ��ý claims handling process

How is the settlement amount determined?

What is a public adjuster?