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Thursday, January 13, 2011
Oklahoma City - Recent bitterly cold temperatures prompt Insurance Commissioner John Doak to offer Oklahomans the following winter-weather emergency tips.
What to Do if Your Home is Damaged
What Damage to Your Home is Covered?
Commissioner Doak notes that damages caused by wind, wind-driven rain, trees or other falling objects, and the collapse of a structure due to weight of ice or snow, are covered under most standard homeowners policies. However, you should review your individual insurance contract to determine specific coverage and exclusions. Frozen pipes might not be covered if the damage is due to the homeowner’s negligence, such as failing to maintain adequate temperature in the home when you had the ability to do so. Check your policy and call your insurance agent or company for clarification with specific questions.
What Damage to Your Home is Not Covered?
Commissioner Doak cautions that the following weather-related events are usually not covered by standard homeowners insurance policies:
Commissioner Doak notes that some insurers offer endorsements (i.e., additional protection that may be purchased at added cost) for certain contingencies not covered under your standard homeowner policy. Check with your agent or insurance company to determine your needs, and what additional coverage might be available.
Stay Safe and Protect Your Investment
To protect both your family and your home, the OID and the federal Centers for Disease Control and Prevention offer these tips for avoiding typical and dangerous cold-weather-related household incidents.
When to Contact the Oklahoma Insurance Department
If you have a dispute with your insurer or agent about the amount or terms of a claim settlement, Commissioner Doak encourages you to contact the Oklahoma Insurance Department at http://oid.ok.gov or (800) 522-0071.
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ABOUT THE OKLAHOMA INSURANCE DEPARTMENT
The Oklahoma Insurance Department, an agency of the State of Oklahoma, is responsible for the education and protection of the insurance-buying public and for oversight of the insurance industry in the state.
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