Kentucky Insurance Tips , Response to Storms
Here are some good tips on how to respond after the storm, once your claim has been reported:
“Most policies cover tree removal if the tree falls on a covered structure. If your neighbor’s tree falls on your property and damages a covered structure or vehicle, your insurance policy covers your loss.
- Read your policy carefully. Many policies do not offer coverage for food spoilage if the electrical outage took place off premises.
- When the adjuster arrives, ask for identification. Get the adjuster’s name, a local phone number and the company he/she represents. Ask questions and take detailed notes.
- Broken glass or other damage to your car is covered if you have comprehensive coverage. You are not covered if you only have liability insurance.
- When having repairs completed, deal only with reputable, licensed and insured local contractors you know or can check out. Don’t deal with “fly-by-night” remodelers who go door-to-door, especially those offering greatly reduced prices.
- Contact DOI at (800) 595-6053 and ask for a copy of “After the Storm Has Passed.” This publication includes valuable information, a complaint form and information on how to prepare for the next disaster. The publication is available online at http://doi.ppr.ky.gov/kentucky/Documents/pubs/AfterTheStorm060408.pdf ……” Insurance JournalDick Watts Insurance 12200 Shelbyville Rd 112, Louisville, KY 40243
