"Winter's first storms have already left a path of damage and power outages across the state. When winter weather strikes, it is important to know what to do if your home is damaged or if you are involved in an automobile accident."
– Kim Holland, Oklahoma Insurance Commissioner
Following are some guidelines from Oklahoma Insurance Commissioner Kim Holland to help you deal with a property
damage claim or automobile accident.
What to Do if Damage Occurs to Your Home
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 due to weight of ice or snow are covered under most standard homeowners policies, but you need to review your individual insurance contract for specific coverage and exclusions. Frozen pipes as the result of 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 may be purchased) for certain contingencies not covered under the standard homeowner policy. Check with your agent or company about what is available as you work to determine your needs.
What to Do if You Are in an Automobile Accident
Contact the Oklahoma Insurance Department
If you have a dispute with your insurer about the amount or terms of the claim settlement, you should contact the Oklahoma Insurance Department at http://www.oid.ok.gov or (800) 522-0071.
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