High winds came through the Detroit area this week, knocking out power in several thousand homes in the area. It got me to thinking about some of the claims I have had in my agency. See if you know the answers to these claims questions:

A house in Ferndale has a huge tree. A big wind blows a branch off the tree that crashes on a neighbor’s garage. Whose insurance pays for the damage?

If that same branch hits the neighbor’s car, whose insurance pays and is it the auto insurance or home insurance that provides coverage?

If that same branch crashes through a window and rain water damages the TV, is that covered by homeowner’s insurance?

What if a power outage knocks out the refrigerator and $1500 in food is ruined? Does homeowner’s insurance cover that?

The good news is that you don’t need to know the answers to a single one of these answers, because I know the answers.

Give me a call at (248) 542-7770 or e-mail to marty@ferndaleagency.com and I will give you answers and a free review of your current policies.

Check back for more trivia.

Marty O’Neill, Insurance Agent

Ferndale, MI

This entry was posted on Thursday, October 8th, 2009 at 3:02 pm and is filed under Homeowners, What's covered?. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.