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Maine.gov > PFR Home > Insurance Regulation > All Press Releases > What to Do When Your Home or Car is Damaged in a Winter Storm
Augusta, Maine -
“Although most of the winter season is still ahead of us, December has brought an active storm pattern to Maine and the rest of the country,” stated Acting Insurance Superintendent Eric Cioppa. “Winter's first storms have left a path of damage and power outages across the country. When a storm strikes, it is important to know what to do if your home is damaged or if you are involved in a car accident.” The following are some guidelines to help you deal with property damage or an automobile accident.
What to do When your Home is Damaged
What Damage to Your Home is Covered?
Damage caused by wind, wind-driven rain, trees or other falling objects, and the collapse of a structure caused by weight of ice or snow are all covered under most standard homeowners policies. Frozen pipes due to extreme cold might not be covered if the damage is due to negligence, such as failing to maintain an adequate temperature in the house when the ability to do so is there. Check your policy and call your insurance agent or company if you need clarification or have specific questions.
What Damage to Your Home is Not Covered?
The following events are typically not covered by the standard homeowners insurance policy:
Some insurers offer endorsements (i.e., additional protection that you can buy) for specific coverage not included in the standard homeowner policy. Check with your agent or company to determine your needs.
What to Do if You Are in An Automobile Accident
Contact the Maine Bureau of Insurance
If you have a dispute with your insurer about the amount the claim settlement, contact the Maine Bureau of Insurance for help (800-300-5000 toll free in Maine).
The Bureau of Insurance is part of the Department of Professional and Financial Regulation which encourages sound ethical business practices through high quality, impartial and efficient regulation of insurers, financial institutions, creditors, investment providers, and numerous professions and occupations for the purpose of protecting the citizens of Maine. Consumers can reach the Bureau through its web site at www.maine.gov/insurance; by calling 800-300-5000 in state; or by writing to Bureau of Insurance, 34 State House Station, Augusta ME 04333.
Last Updated: April 7, 2009 2:38 PM
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