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MAINE EMERGENCY MANAGEMENT AGENCY
State Issues Ice Storm Homeowner Insurance Alert
December 15, 2008
Augusta, Maine - Governor John E. Baldacci joined Maine’s Insurance Superintendent Mila Kofman in issuing a Consumer Alert on Monday to provide information and assistance to individuals adversely impacted by recent storms.
Superintendent Kofman outlined a series of actions that would benefit homeowners and others affected by weather-related property damage.
“As soon as conditions safely permit, consumers are encouraged to follow the steps recommended by the Bureau of Insurance, and to contact this agency with questions and concerns. We also urge Maine people to plan ahead for future storms and weather-related emergencies,” Superintendent Kofman commented.
Wait for the adjuster to arrive. Do not call anyone to repair or replace your loss without first getting instructions from your adjuster since your insurer's visual inspection of your loss may be necessary before repairs should occur. Do not throw away damaged property until your adjuster says it’s appropriate to do so. If your home is damaged, make only temporary repairs until a claims adjuster looks at the damage. Making permanent repairs before the adjuster's inspection could trigger a denial of your claim.
What Damage to Your Home is Covered?
Damage caused by wind, wind-driven rain, trees or other falling objects, and the collapse of a structure caused by weight of ice or snow are all covered under most standard homeowners policies.
Frozen pipes due to extreme cold might not be covered if the damage is due to negligence, such as failing to maintain an adequate temperature in the house when the ability to do so is there.
Check your policy and call your insurance agent or company if you need clarification or have specific questions.
What Damage to Your Home is Not Covered?
The following events are typically not covered by the standard homeowners insurance policy:
Some insurers offer endorsements (i.e., additional protection that you can buy) for specific coverage not included in the standard homeowner policy. Check with your agent or company to determine your needs.
To prepare for future storms and possible natural disasters, the Bureau of Insurance urges Mainers to:
The Bureau of Insurance is part of the Department of Professional and Financial Regulation which encourages sound ethical business practices through high quality, impartial and efficient regulation of insurers, financial institutions, creditors, investment providers, and numerous professions and occupations for the purpose of protecting the citizens of Maine. Consumers can reach the Bureau through its web site at www.maine.gov/insurance; by calling 800-300-5000 in state; or by writing to Bureau of Insurance, 34 State House Station, Augusta ME 04333.
Contact:Mila Kofman, Superintendent
Maine Bureau of Insurance, (207) 624-8540, TTY: (888) 577-6690
Last update: 07/20/10
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