Insuring your home - DC News FOX 5 DC WTTG

What's covered under your home insurance policy?

Posted: Updated:
MYFOXNY.COM -

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

  • Today on Good DayToday on Good DayMore>>

  • CDC Ebola virus alert

    CDC Ebola virus alert

    Tuesday, July 29 2014 2:21 PM EDT2014-07-29 18:21:02 GMT
    Kent Brantly always wanted to be a medical missionary, and he took the work seriously, spending months treating a steady stream of patients with Ebola in Liberia. Now Brantly is himself a patient, fighting for his own survival in an isolation unit on the outskirts of Monrovia, Liberia, after contracting the deadly disease. The Texas-trained doctor says he is "terrified" of the disease progressing further.
    Kent Brantly always wanted to be a medical missionary, and he took the work seriously, spending months treating a steady stream of patients with Ebola in Liberia. Now Brantly is himself a patient, fighting for his own survival in an isolation unit on the outskirts of Monrovia, Liberia, after contracting the deadly disease. The Texas-trained doctor says he is "terrified" of the disease progressing further.
  • Teen YouTube sensation Bethany Mota on creating an empire

    Teen YouTube sensation Bethany Mota on creating an empire

    Tuesday, July 29 2014 11:10 AM EDT2014-07-29 15:10:26 GMT
    At 18 years old, Bethany Mota - a once bullied teen from California- has created one of the most popular lifestyle channels on YouTube. With nearly 7 million followers, Mota, who started out sharing makeup tips five years ago from her bedroom, has expanded to include DIY, fashion and perfume in her regular video posts. "It was something that happened gradually," said Mota about her fan base. She's produced more than 300 videos so far.
    At 18 years old, Bethany Mota - a once bullied teen from California- has created one of the most popular lifestyle channels on YouTube. With nearly 7 million followers, Mota, who started out sharing makeup tips five years ago from her bedroom, has expanded to include DIY, fashion and perfume in her regular video posts. "It was something that happened gradually," said Mota about her fan base. She's produced more than 300 videos so far.
  • That's So Nice! (July 28)

    That's So Nice! (July 28)

    Monday, July 28 2014 12:13 PM EDT2014-07-28 16:13:52 GMT
    Two teens still in college are doing remarkable things to help those less fortunate.Zach Certner of Morristown, NJ, is running an organized sports program for children with autism. Meanwhile, Paige Alenick of Woodcliff Lake, has helped distribute more than 107K toothbrushes worldwide to people in need."We teach kids the basic fundamentals. We give them a chance to be a kid. I just love seeing the smiles on the kids' faces," said Cerner.“We’re working on taking it nationally," said Alenick. "I...
    Two teens still in college are doing remarkable things to help those less fortunate.Zach Certner of Morristown, NJ, is running an organized sports program for children with autism. Meanwhile, Paige Alenick of Woodcliff Lake, has helped distribute more than 107K toothbrushes worldwide to people in need."We teach kids the basic fundamentals. We give them a chance to be a kid. I just love seeing the smiles on the kids' faces," said Cerner.“We’re working on taking it nationally," said Alenick. "I...
Powered by WorldNow

WTTG FOX 5 & myfoxdc
5151 Wisconsin Ave. NW
Washington, DC 20016
Main Number: (202) 244-5151
Newsroom: (202) 895-3000
fox5tips@wttg.com

Didn't find what you were looking for?
All content © Copyright 2000 - 2014 Fox Television Stations, Inc. and Worldnow. All Rights Reserved.
Privacy Policy | Terms of Service | Ad Choices