Get Smart With Snow and Ice Storm Coverage with Your NYC Home Insurance

 NYC Christmas Blizzard 2010

Snowstorms are a major threat to many homes,
especially on the East Coast. According to the Insurance Information Institute,
snow and ice storms are the third-most destructive catastrophes, behind
hurricanes and tornadoes. A standard NYC
home insurance policy will cover several forms of property damage caused by
savage blizzards. Should you be in doubt, ask your agent exactly what you’re
covered for in the case of a snowstorm.

Some of the things you should be covered for
include wind damage, falling tree limbs, damage caused by excessive snow or
rain, burst pipes and ice dams. Any structural damage to your home, as well as
damage to personal possessions on your property will most likely be covered by
a standard policy. You may also be eligible to receive living expenses if
you’re forced to live somewhere else while your home is being repaired.

Flood damage is not covered under a standard NYC
home insurance policy. This means if
rain or melting snow causes flooding within the definition of your home
insurer, you will only be covered if you’ve taken out insurance provided by the
National Flood Insurance program.

To ensure you get the claim settlement you
are entitled to, contact your insurance agent or the insurer as soon as you can
and be prepared. Have a home inventory – in the event of a claim this can make
it much easier to identify which possessions were damaged or destroyed and help
you determine the financial extent of your losses. With Miller & Miller
Insurance, you can get the coverage you need with our help. Contact us today
for more information!