Now that the worst seems to be over from the weekend’s violent weather, many property owners in Western New York are now faced with the daunting task of repairing damage to their homes.
Strong winds gusting to 75 miles per hour, and higher, took a toll on roof shingles, ripped siding right off some homes, and sent uprooted trees crashing down on houses and commercial buildings.
Insurance professionals say coverage for that kind of damage is generally a standard part of homeowners policies in New York, but what if a neighbor’s tree falls on your house or car?
Ken Carter, Vice President of Claims for the Merchants Insurance Group said, legal responsibility can get complicated, “I would recommend that both adjacent property owners report the claim to their respective insurance companies and let the insurance companies do an investigation as to ultimate legal responsibility for that damage.”
What about flooded basements in homes where sump pumps failed to operate because the power went out? Carter said there is a separate endorsement to cover water damage due to storm sewers backing up.
Carter also advises homeowners whose property only seems to be slightly damaged to check the outside of your home thoroughly to make sure you don’t miss anything.
If you escaped the weekend weather unscathed, Carter says now would be a good time to take a look at your homeowners policy to make sure it is working for you.