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Plan Ahead for Insurance in Winter Storms

Pennsylvania Insurance Commissioner Teresa Miller advised consumers to plan ahead and review their homeowners and auto insurance policies as winter weather conditions like snow, sleet, and ice become more frequent...
December 20, 2016

Pennsylvania Insurance Commissioner Teresa Miller advised consumers to plan ahead and review their homeowners and auto insurance policies as winter weather conditions like snow, sleet, and ice become more frequent. “Winter is coming, and it is important that you plan ahead so you are able to respond quickly in the event of a car accident or damage to your home,” said Miller.

“Understanding how your policy handles these weather-related incidents can help ease the process if you need to file a claim.” Most standard homeowners policies provide coverage for cold weather-related damage; however, taking steps to prepare your home may help mitigate some of these issues before they arise. “Be sure to contact your insurance company as soon as possible after an accident or receiving damage to your vehicle or property,” said Miller.

If damage does occur, property owners should only make temporary repairs that are necessary to prevent further damage until an adjuster is able to view the property. Making permanent repairs without the guidance of an adjuster may result in a claim’s denial.

“Reporting these incidents quickly and heeding instructions given from your company is the best way to ensure that your property is repaired or replaced as needed.”

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