During the Recent Cold Weather in Lafayette, CO, a Tree Fell on my Daughter’s Car in Lafayette, CO. Is She Covered?

Parking a car outside can result in unexpected damages to the vehicle, especially if your daughter’s car is parked on the street or is near a tree. When the cold weather causes a tree to fall on a vehicle, the damages to the car may or may not be covered under an auto insurance policy in Lafayette, Colorado.

The Policy She Purchased

If your daughter’s car was damaged from a tree falling on it, then it is important to review and consider the policy that she purchased for the vehicle. A liability plan will not usually include any options to pay for damages to a personal vehicle, so she may not have coverage if she has the state minimum insurance for liability and personal protection.

On the other hand, if she purchased a comprehensive policy, then she may be covered if a tree fell on her vehicle.

Potential Clauses

Never assume that she is covered just because she purchased a comprehensive auto policy. Read the section related to clauses and exceptions to ensure that she does have protection against the specific situation.

Some insurers may not cover fallen trees or similar objects in their basic comprehensive policy. As a result, it may be necessary to purchase additional protection for the vehicle in case certain situations that are not covered in the basic plan occur.

It can be problematic when a vehicle is damaged while it is parked on the street or in a parking lot. Depending on the situation, the auto policy and the extent of the damage to her car, your daughter may or may not have coverage available. Contact the 1st American Insurance Agency to talk to an independent agent for more information.

What kinds of winter storm damages are typically covered by homeowners insurance policy in Lafayette, CO?

A homeowner in Lafayette, Colorado, is keenly aware of the vagaries of local winter weather. In January, it might be 60 degrees one day and 14 degrees the next, with blowing snow across the area. Understanding the kinds of damage covered by your homeowners insurance in advance of the winter season can help you avoid unwelcome surprises when you contact your independent agent or insurance company to file a claim.

Since there is no single standard homeowners policy, it is impossible to give you hard and fast answers about your coverage. The following list encompasses those losses that typically may be covered by your policy:

  • Property damage to your home and insured structures, such as detached garages, caused by falling trees unable to withstand the power of winter storm conditions. Note that if the tree fell in your yard, but did not damage your home or any insured structure, your homeowners coverage typically does not pay for removing tree debris,
  • Damages from burst pipes or ice dams during extremely cold weather.
  • Damages, such as to food in refrigerators, caused by power outages caused by winter storms. Note that most homeowners insurance policies exclude coverage for power outages unless they result from hazards (called perils) covered by the policy, such as wind, lightning, hail, fire, etc.
  • Damages caused by the weight of ice or snow that causes your roof, porches or decks to collapse.
  • Other losses if specifically noted in your policy language. All peril policies will cover all hazards, but those causes noted as specifically excluded from coverage.

If this summary generates more questions than answers, contact your local Lafayette area independent agent at 1st American Insurance Agency. Our experienced professionals will answer your questions, while giving you the information you need protect your home from the Colorado winter weather.

Is Damage Due to Frozen Water Pipes Covered by Homeowners Insurance in Lafayette, CO?

During the winter months, it is possible that the water pipes and other pipes throughout your house can freeze due to the low temperatures. Depending on your homeowner insurance policy, the options that may be available to help pay for damages to your home in Lafayette, Colorado may vary.

Basic Policy

Many insurers offer solutions to help pay for the damage to your home if your pipes are frozen throughout the winter months. Depending on the situation and your efforts to prevent damages, you may be covered for frozen pipes and any damage associated with the pipes.

Although insurers may offer some solutions, clauses and exceptions may be stated in your policy. Take time to review your policy before you make a claim to ensure that there is not a clause or exception that fits your situation. For example, if the frozen pipes are related to negligence because you turned your heat off while you were out of town, then your insurer may refuse to pay for the damages and you may have a clause in your policy that makes it legal.

Making a Claim

If your policy covers your specific situation, then you can make a claim to pay for the damage. Obtain an estimate and give proof of the damage. In some cases, insurers may send a representative to confirm your claim and evaluate the extent of the damages.

It is important to understand the details of your homeowner’s policy before you make any decisions about the best solution for your home. Depending on the situation, you may or may not have coverage in your current policy. Contact the 1st American Insurance Agency to talk to an independent agent to learn more about homeowners insurance.

My SUV hit a patch of ice and slid into another vehicle in Lafayette, CO. Will my auto insurance cover it?

Ice is just one factor that can make winter driving dangerous in Lafayette, Colorado. The risks posed by winter driving conditions also demonstrate why you should go above the minimum when you are selecting an insurance policy for your vehicle. If your SUV hit a patch of ice and slid into another vehicle, the coverage you receive depends on the levels of coverage provided in your policy.

How to Protect Your Vehicle from Winter Accidents

At minimum, drivers in most states must possess liability coverage before they can legally operate their vehicles. However, winter driving serves as a prime example of why it is important to exceed the minimums in your policy to be properly covered. Even if you are a careful driver, a patch of black ice can cause you to lose control and hit another vehicle on the road. Unfortunately, in most circumstances, this will put you at fault for the accident, placing you outside of the coverage of most liability policies.

To receive coverage even when you are determined to be at fault, it is necessary to add collision coverage to your policy. If you own a large vehicle, such as an SUV, it is especially important to make sure that the costs of repairing your vehicle will be adequately covered by your policy.

How an Independent Agent Can Help

Properly preparing for winter requires you to make some additions to your standard auto insurance policy in order to receive collision and medical coverage. However, you can cut down your costs by comparing quotes between several insurance companies and comparing premiums. 1st American insurance Agency can help you compare quotes instantly to find the best prices.

Because even the best drivers can run into an accident when road conditions are poor, programs like accident forgiveness can help you keep your premiums low after a winter accident. When you contact us today, an independent agent can help you protect both your vehicle and your insurance rates from the risks of winter driving.