Top 4 Homeowners Insurance Claims In The Hudson Valley

The leaves are turning and the nights are getting chilly, welcome to fall in the Hudson Valley!

Preparing for winter is a top priority for Hudson Valley homeowners because our winters can be brutal and no one wants the added annoyance of having to call their insurance agent to start a claim.  Here are the top reasons that homeowners in Kingston and Poughkeepsie make claims on their homeowners’ insurance during the winter months-

1- Exterior Wind Damage.  If a tree falls on your home or car due to high winds, 9 times out of 10 your insurance will cover the removal.  If a tree falls across your driveway or just on your lawn, regular insurance WILL NOT cover removal, an additional endorsement can be purchased to cover this.

2- Plumbing or appliance water damage.  This one is not as clear-cut as you might think.  Your homeowner’s insurance will cover the water damage done to your home if your pipes burst or your dishwasher decides to flood your kitchen, what it will not cover is the repair of the pipes or dishwasher.  Taking steps to avoid frozen pipes is the homeowner’s responsibility, not the insurance company’s.

3- Hail damage.  Covered by homeowners insurance.

4- Ice and snow damage.  You are responsible for maintaining your roof and gutters by keeping them in good repair and clear of debris.  If the damage to your home is due to the weight of snow and ice, you’re covered.  If the damage to your home is due to an ice dam because you haven’t cleaned your gutters in 5 years, then your claim will be denied.

Insurance is a legally binding contract between the homeowner and the insurance company.  If you are unsure of what your current policy covers and what it doesn’t, give Hudson Valley Agents a call.  We want every Hudson Valley homeowner, from Westchester to Albany, to have the best coverage the insurance industry has to offer and at affordable prices.  #insurelocal  #HudsonValleyInsurance

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