When nature strikes a blow

Sometimes, nature unleashes its fury, causing serious damage to your property. In most cases, you can count on your insurance protection. Here are a few examples.

• A tornado, windstorm, or hailstorm is raging? Don't worry about your house, its contents, or outdoor fixtures like your swing and patio set. They're all covered, cleanup expenses included.
• The storm damaged your outdoor antennas, trees, or landscaping? Unfortunately, these items are not covered. Your pool? Yes, but only if you have the appropriate rider.
• Snowstorms and icestorms are a normal part of winter. If the wild weather causes a branch or tree to fall and damage your property, your insurance has got you covered, cleanup expenses included.
• Depending on your policy, you may be also covered if your roof collapses under the weight of snow and ice (extended and all-perils policies). The same goes for content damage if you have all-perils insurance. Take a look at your policy to make sure you have the coverage you need.
• You lost the entire contents of your freezer during a major power outage from outside lines? You can keep your cool! Your policy covers you for up to $1,000.
• Be careful when the power comes back on. You're not insured against power surges when service is restored.
• When a blackout lasts for days...
  • Avoid opening your freezer. Food should stay frozen for 24 to 48 hours.
  • When the power comes back on, check your food to make sure nothing is spoiled.
  • To prevent damage when the power comes back on, unplug all electrical devices and turn off your water heater.
• Still wondering what losses are covered? Consult the tables that outline the coverage provided for in the event of natural disasters.