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Are You Covered if Winter Weather Damages Your Home?

Winter is the time of year for snowball fights, skiing, sledding, and cozy evenings by the fire. However, despite the joys of winter, the weather can be harsh and unyielding. If you’re a homeowner insured by IRM Insurance, winter weather can really damage your home if you don’t take proper precautions. Read on to discover more about what damages may be covered by your homeowner’s policy. 

1. Flooding

Most of the time, water damage to the home due to frozen pipes will be covered by your homeowner’s policy. However, you will have to demonstrate that you, as the homeowner, took proper precautions against the freezing of the pipes. You should insulate your home properly, use heat tape, and keep the home’s temperature above freezing to prevent frozen pipes. 

If your roof is damaged in a storm or windows are broken, you may experience water damage. Typically, these damages are covered. However, if water comes in from the outdoors, such as if your area gets excessive rain or snowmelt, that type of flooding is not usually covered by the typical homeowner’s policy. Contact your insurance agent to add flood insurance to your policy to make sure that all types of flooding damages are covered.

2. Falling Limbs or Trees

If a tree or tree limb falls on your home, typical homeowners’ policies will cover the damages. Also, these policies usually extend to your outbuildings, garages, and structures like fences. However, insurance policies will not cover the cost to remove dead trees or trim tree limbs before they fall on the house.

3. Wind Damage

If a severe storm damages your roof or other parts of the structure of your home, most homeowners’ policies will cover the repair or replacement of these things. Before storms come through, make sure that your home is in good shape to avoid damage. Repair damaged shingles, secure loose shutters, and tie-down outdoor items like patio furniture and grills to protect your home. 

Every policy is different, so if you have questions about what is covered by your homeowner’s insurance, contact IRM Insurance before winter storms hit. Our helpful agents will answer any questions and support you, whatever your needs. 

Do I need to buy additional insurance when I rent a car?

Everyone loves to travel, and when traveling, renting a car is often part of the travel package. When you get to the desk at the car rental agency, you are going to have quite a lot of pressure applied to you to purchase auto insurance from the rental agency. They offer several layers of protection, and it can add a considerable amount to the total cost of the rental. You’re tired and confused, and you may think that you should buy it so that they will leave you alone, but is it necessary?  

The most likely answer is no, it isn’t, but you need to do a little research before you leave home. Give your agent at IRM Insurance in Knoxville, TN a call and ask them about the coverage that your policy provides. Typically, your coverage on a rental car will be the same as the coverage on the vehicle you drive every day. If you have a vehicle of equal value to the car you are renting, then you are in good shape. If, however, you have an older car and no longer carry collision and comprehensive, then you will need to get coverage another way. 

You don’t necessarily have to resort to buying the insurance offered by the rental company. Many credit cards provide rental insurance coverage when you pay for the car with your credit card. Be sure to check with your company to find out if they offer this coverage and what the limits are. If you have travel insurance, be sure to check if it provides rental car coverage as well. 

When it comes to buying additional insurance when you rent a car, be sure to check out all the other options before you say yes to the rental company. Your agent at IRM Insurance in Knoxville, TN will be happy to explain your coverage to you.