Insuring your home - Dallas News | myFOXdfw.com

What's covered under your home insurance policy?

Posted: Updated:
MYFOXNY.COM -

Jeanne Salvatore, spokesperson for the Insurance Information Institute, spoke with Good Day New York on Thursday about what is covered and what isn't covered when it comes to your home.

Following superstorm Sandy, many home owners including those with multiple homes have been asking about their coverage and where FEMA fits into the picture.

First thing's first: call your insurance company, said Salvatore.

Standard home owners insurance covers damage from wind and fallen trees. If you do not have flood insurance, flooding will not be covered.

However, FEMA may provide additional assistance for those who need it but you must contact FEMA to find out what they may offer you.

Salvatore stresses the importance of contacting your insurance company before contacting FEMA.

"They can navigate the flood portion of it. Let them know the variety of damage," said Salvatore.

Also, it's always a good idea to document everything.

Many home owners feel they cannot wait for an adjustor to inspect their homes as waiting may contribute to further damage to their property. If that's the case, Salvatore says call your insurance company and tell them you have to get things out.

"Take a picture of the damage," said Salvatore.

Other tips for home/renters insurance - what is covered? what isn't covered?

- covered - wind, hurricane, tornado, nor'easter, fire, falling objects, lightning, theft, vandalism

- covered - if wind destroys roof or window and rain or snow comes in

- covered - burst pipes

- not covered - flood and earthquake (this is why you need flood insurance)

- flooding is water from the ground up that comes into your house, from ocean, lake, river, etc. flood insurance policy covers these.

- flood insurance is not required by law, but banks holding mortgage will usually require it.

COMPLETE HURRICANE SANDY COVERAGE

  • Today on Good DayToday on Good DayMore>>

  • The Simpsons marathon on FXX

    The Simpsons marathon on FXX

    Thursday, August 28 2014 12:27 PM EDT2014-08-28 16:27:14 GMT
    For actress Yeardley Smith, 'Lisa Simpson'-- the brainiac sister of Bart Simson on 'The Simpsons'-- is like a best friend. Smith has been the voice of the animated character since the 1980s and she is getting plenty of air time on FXX lately.The channel is running every episode of The Simpsons, 24 hours a day.“My Twitter account is blowing up. We have writers who as their episodes are airing they're talking about what they were thinking about when they wrote and saying lovely things."
    For actress Yeardley Smith, 'Lisa Simpson'-- the brainiac sister of Bart Simson on 'The Simpsons'-- is like a best friend. Smith has been the voice of the animated character since the 1980s and she is getting plenty of air time on FXX lately.The channel is running every episode of The Simpsons, 24 hours a day.“My Twitter account is blowing up. We have writers who as their episodes are airing they're talking about what they were thinking about when they wrote and saying lovely things."
  • Back to school special

    Back to school special

    Thursday, August 28 2014 10:51 AM EDT2014-08-28 14:51:52 GMT
    School is back in session for some and will be for most students and staff starting next week.  Good Day New York wanted to salute teachers from across the Tristate as they head back to the classroom. On Thursday, a live studio audience of teachers were part of the Back To School Special: Good Day New York Sorry Summer is Over But We Praise and Honor Teachers (but no math; we like math teachers, though.)
    School is back in session for some and will be for most students and staff starting next week.  Good Day New York wanted to salute teachers from across the Tristate as they head back to the classroom. On Thursday, a live studio audience of teachers were part of the Back To School Special: Good Day New York Sorry Summer is Over But We Praise and Honor Teachers (but no math; we like math teachers, though.)
  • Attractive players in tennis, help or hurt?

    Attractive players in tennis, help or hurt?

    Wednesday, August 27 2014 1:19 PM EDT2014-08-27 17:19:52 GMT
    The U.S. Open is underway in Queens and there's no denying that many of the players, both men and women, are in great physical shape and know how to play that up. Women are particularly promoted in the industry as attractive, fashionable and fiercely competitive. Does that help the game and draw more people in?
    The U.S. Open is underway in Queens and there's no denying that many of the players, both men and women, are in great physical shape and know how to play that up. Women are particularly promoted in the industry as attractive, fashionable and fiercely competitive. Does that help the game and draw more people in?
Powered by WorldNow

KDFW FOX 4
400 N. Griffin Street
Dallas, Texas 75202

Main Station Directory:
(214) 720-4444
News Fax:
(214) 720-3263 or (214) 720-3333

Didn't find what you were looking for?
All content © Copyright 2000 - 2014 Fox Television Stations, Inc. and Worldnow. All Rights Reserved.
Privacy Policy | New Terms of Service What's new | Ad Choices