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Review insurance polices: Storm season approaches

WASHINGTON – April 28, 2014 – Spring is usually a time of severe weather when many homes and other property are damaged.

Consumer Reports suggests that a property owner pick a top insurer that is known for top customer service. The magazine also said when there is severe weather damage to a home or other property, owners should be prepared for a fight to make sure their claims are fully paid.

Check your insurance policies now and make sure you know what is and isn’t covered, and, if there are exclusions or other perils, fill in those gaps with additional insurance, such as flood insurance. Make sure you know the limits of your policy in case one of your trees falls on a neighbor’s house.

The magazine also suggests getting to know a contractor to do some minor repairs, which could result in being able to call that person in an emergency.

Consumer Reports said there are some ways a person could save on their homeowner or other property insurance such as shopping periodically for a better deal; not under insuring or not having insufficient coverage; purchasing your home and auto insurance from the same company; increasing your deductible; and eliminating possible risks that could raise your premium.

Copyright © 2014 the Journal-News (Hamilton, Ohio), Ed Richter. Distributed by MCT Information Services.

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