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What's covered under your home insurance policy?

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Jeanne Salvatore, spokesperson for the Insurance Information Institute, spoke with Good Day New York on Thursday about what is covered and what isn't covered when it comes to your home.

Following superstorm Sandy, many home owners including those with multiple homes have been asking about their coverage and where FEMA fits into the picture.

First thing's first: call your insurance company, said Salvatore.

Standard home owners insurance covers damage from wind and fallen trees. If you do not have flood insurance, flooding will not be covered.

However, FEMA may provide additional assistance for those who need it but you must contact FEMA to find out what they may offer you.

Salvatore stresses the importance of contacting your insurance company before contacting FEMA.

"They can navigate the flood portion of it. Let them know the variety of damage," said Salvatore.

Also, it's always a good idea to document everything.

Many home owners feel they cannot wait for an adjustor to inspect their homes as waiting may contribute to further damage to their property. If that's the case, Salvatore says call your insurance company and tell them you have to get things out.

"Take a picture of the damage," said Salvatore.

Other tips for home/renters insurance - what is covered? what isn't covered?

- covered - wind, hurricane, tornado, nor'easter, fire, falling objects, lightning, theft, vandalism

- covered - if wind destroys roof or window and rain or snow comes in

- covered - burst pipes

- not covered - flood and earthquake (this is why you need flood insurance)

- flooding is water from the ground up that comes into your house, from ocean, lake, river, etc. flood insurance policy covers these.

- flood insurance is not required by law, but banks holding mortgage will usually require it.

COMPLETE HURRICANE SANDY COVERAGE

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