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Pennsylvania Insurance Commissioner gives tips for homeowners' insurance claims caused by snow damag

Posted On Fri, February 19, 2010

As a record setting month in terms of snowfall in Pennsylvania continues, the state's Insurance Commissioner Joel Ario has issued some tips on how homeowners can deal with home insurers if their house has been damaged by the weather.

Ario said that most standard homeowners insurance policies cover damage to one's house that is cause by the weight of snow or ice causing the collapse of a roof or wall.

Also, burst pipes, caused by built up pressure and freezing water in a piping system, and ice dams, which is caused by gutters that fail and send water into a house's ceiling and walls, are covered as well.

However, he added that damage caused by falling trees could be a more complicated situation.

"Most damage resulting from fallen trees is covered by your homeowner's policy, but consumers should check with their company before calling a tree removal service as removal costs may also be covered," he said. "Also, consumers may be held responsible if a tree they own has fallen on a neighbor's property."

For families that have suffered weather damage to their home, Ario suggested immediately contacting their insurance company to report all losses, and to take pictures of any damage while leaving it untouched until an insurance adjuster arrives to survey the scene.

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