The standard homeowners policy does protect you for most “storm” activity. You should be prepared to make reasonable effort to protect your property from damage. When and if there is damage to your property, you must try to prevent further loss.
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QUESTION:As a result of rain and hail storm, we have a hole in our roof. If I get the roof patched before the insurance adjuster comes to see it, will the insurance company still pay for the actual repair of the roof?
ANSWER: Normally. It is your responsibility to protect the roof from further damage until the insurance adjuster can determine the extent of the loss. In order to get reimbursed for these expenses, you should keep receipts to submit to the insurance company.
QUESTION:Does my "new" policy cover me for the hurricane that has been announced?
ANSWER: If you just bought a policy, you need to contact your agent. Don't wait until a storm is pending to buy insurance coverage as it may not be effective until the storm is over.
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