Does Your Seattle Condo Insurance Cover National Disasters?

Seattle Condo Insurance | By Condoleezza Carello
Posted: 04/24/2012 3:33 am
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I hesitate to even put this out into the universe, but it is something that probably needs to be asked.  So here goes – does your Seattle condo insurance cover national disasters?  Are you certain about that answer?  Yikes!  I hope so. Things can be tough out there and you have to find some way to protect yourself and your condominium in the event of the unthinkable.  Don’t take my word for it, Jennifer Turpin writes an interesting article that guides you through the insurance claim process and answers many FAQ .’s   Take a look…

Does Your Seattle Insurance Cover National Disasters?

Does Your Seattle Insurance Cover National Disasters?

Here are some tips and frequently-asked questions about insurance claims:

Will filing a claim make my insurance premiums go up?

-It may. So it’s a good idea to first weigh the cost of the repair, your deductible, and the possibility that you’ll pay higher insurance rates in the future before deciding whether to file a claim.

My neighbor’s tree fell on my house. Whose insurance pays?
-Your homeowners will often pay for the damage, even if it was your neighbor’s tree. And you’ll be responsible for the deductible. Sometimes your insurer can get the neighbor’s insurance to pay, if it can be shown that the neighbor was at fault. But that can be hard to prove.

My car was damaged. Can I choose which repair shop to take it to?
-Yes, you can generally choose which shop to take the car to. But the shop and insurer must agree on price. If they can’t agree, you could be stuck paying the difference.

A tree fell on my car. Am I covered?
-Yes, as long as you have comprehensive auto coverage.

Trees and branches fell in my yard. Will my homeowners insurance pay for cleanup?
-Probably not. Standard homeowners policies don’t cover tree removal and cleanup unless the tree fell on the home, car, garage, etc.

A tree fell on my carport. Will my insurance cover that?
-Yes, homeowners coverage will usually cover that kind of damage.

Does my homeowners policy cover flooding?

-No. A standard homeowners policy does not cover flooding. Flood coverage typically requires a separate policy. Many homeowners get this coverage through the federally run National Flood Insurance Program.

 

My television was ruined by a power surge when the electricity came back on. Will my insurance cover that?
-Most homeowners policies do cover appliances and electronics ruined by a power surge. But consider your deductible. In some cases – particularly for low-cost or old equipment — it may not be worth filing a claim.  Original Story Here.

 

So I ask again, does your Seattle condo insurance cover national disasters?  It’s impossible to consider all possible scenarios for national disasters- especially with this being the prophetic year of 2012 (according to the Mayans).  Anything can happen!   The best thing to do is find a good agent who can help you find the right condo policy and protect yourself.

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