Posts Tagged ‘“Hurricane Sandy”’
Homeowners Insurance Tips After Hurricane Sandy
In the aftermath of Hurricane Sandy, many people are assessing damage to their homes, cars and property. Insurance losses across the country are already estimated at $7 billion to $15 billion, while total losses will easily exceed $50 billion. If you are affected, it is important to act promptly. If you made it through the storm with property intact, now is a good time to plan for future hurricanes.
The lawyers at Breakstone, White & Gluck offer these tips:
Contact your insurance company. If you suffered damage, immediately contact your insurance company. Call your agent, or call the company directly. Let them know what damage you suffered, and ask them to send claims forms. If the damage is extensive, you may find it useful to hire a public adjuster to catalog and estimate your damages.
File the claim. Obtain as much supporting information as you can, such as receipts and photographs if you have one. If you did an inventory of your home, that will be useful proof.
Cooperate with the adjusters. A field adjuster will visit your property to assess the damage to your home or your vehicles. Provide any additional information they need.
Understand your insurance policy.Nobody likes reading insurance policies (well, we know a few lawyers who enjoy that, but nobody else), but the policy will spell out the steps you must take during the claims process. Follow those steps to protect your rights in the event of a dispute of the money you are owed. Failure to cooperate or to follow claims procedures may lead to a denial of your claim.
Tree damage may be covered. Standard homeowners insurance policies cover damage if a tree falls on your home or a garage, shed or fence on your property. If it hits a neighbor’s property, then their policy or yours may cover it. If it just lands in your yard, it is likely that you will have to bear the entire cost of its removal.
Beware of Short Statute of Limitations. Contract claims in Massachusetts generally have a six-year statute of limitations. But it is likely that your insurance policy has provisions governing disputes that are much shorter, often just months after the insurance company makes its tender of settlement. If there is a dispute, get legal help quickly!
Make Sure You Are Protected for the Next Big Storm
Inventory your property. Filing a claim is easier if you know what you own and have documented it, including writing a list and taking pictures or a video. Keep a back-up copy of everything in a safe place away from the house. For help, the Insurance Information Institute has online software you can find at www.knowyourstuff.org.
Understand your policy. Have your agent or broker explain key provisions, exclusions, and other options. For liability insurance, consider adding an umbrella. For property damage, consider earthquake insurance.
Know your insurance policy’s hurricane deductible. Massachusetts is one of 18 states which allows homeowners insurance companies to set a specific deductible for hurricane damage.
Consider flood insurance. Flood-related losses are only covered if you have flood insurance. Standard homeowners and renter policies cover damage from wind and wind-driven rain that enters a home. But damage from water on the ground or seeping into a basement is not covered. This will be the main reason many victims of Hurricane Sandy will not have insurance coverage.
In fact, only about 20 percent of homeowners who should have flood insurance actually have the coverage, according to the Insurance Information Institute. Meanwhile the average residential flood results in $30,000 in damage, according to the National Flood Insurance Program. Consumers can learn more at www.floodsmart.gov.
Car Insurance. If you have a comprehensive auto insurance policy, flood damage to your car should be covered. But motorists carrying only liability coverage will not be covered.
Please explore some of our other articles on insurance basics. The policies you have protect you from claims, cover your property losses, and in many cases pay you for damages caused by others who may be underinsured. Usually it is worth the extra cost to have that peace of mind.
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Portable Generator Tips for Hurricane Sandy
As Hurricane Sandy moved toward Massachusetts this weekend, many people purchased portable power generators. This equipment is an inexpensive way to find comfort during a power outage, but it is important to remember the potential safety hazards when not used properly.
The most frequent danger associated with portable generators is carbon monoxide poisoning, which can result from a leak or misplacement of a power generator in a house or garage where gas can accumulate. Carbon monoxide is a colorless, odorless and tasteless gas and poisoning can occur without warning. Symptoms often start with headaches and dizziness, but can quickly advance to seizures, coma and death.
If you have purchased a portable generator for the storm, the lawyers at Breakstone, White & Gluck offer these tips for safe use against carbon monoxide poisoning, as well as burns and electrocution:
Use your portable generator outside. Set it up away from your home’s doors, windows and vent openings.
Never use a portable generator inside your home. Also do not use it in an attached garage, even in a garage with an open door.
Check your carbon monoxide detector. Make sure the detector and batteries are working. Follow the manufacturer’s instructions for placement as well as state law, which in most cases requires residences to have carbon monoxide detectors on every habitable level of the home or dwelling unit. Check if your portable generator manufacturer offers additional instructions.
Make sure there is a safe connection. Take time to learn the proper way to connect the portable generator to your appliances.
Refuel safely. Turn off your portable generator and let it cool before refueling and turning it back on.
Fuel storage. Store your portable generator fuel in a clearly marked container. Store it outside living areas.
Read the manufacturer’s instructions. These instructions should provide details about how you can expect the device to operate during the critical storm conditions.
No backfeeding. Never try to power the house by “backfeeding”, the practice of plugging the generator directly into a wall unit or household wiring. This creates an electrocution risk to yourself as well as neighbors and utility workers using the same utility transformer. It also bypasses some of the built-in household circuit protection devices.
Do not operate in the rain or wet conditions. You may have purchased a portable generator to make it through the storm, but you should only operate the generator in dry conditions. If you must operate in wet conditions, the Consumer Product Safety Commission (CPSC) recommends placing it under an “open, canopy-like structure on a dry surface.”
Related:
Portable Generator Hazards, Consumer Product Safety Commission.
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