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Toll Free: 800-342-2710

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Focus: Property damage caused by harsh winter conditions

Those include recurrent cycles of freezing and thawing, with excessively cold conditions being followed by temporarily "balmy" temperatures just north of freezing. They include successive dumpings of snow, which is now piled on streets and yards -- and homeowners' roofs -- in abundance.

The result of such harsh weather can be a bummer for homeowners, bringing ice dams, damaged roofs and walls, burst pipes and many other property-related headaches.

Many of those are covered in homeowners' insurance policies. When a policyholder has acted responsibly in preparing for and seeking to prevent property damage, he or she has a reasonable expectation that damage that does result and is covered in a policy will be taken care of, with the insurer honoring its legal obligations.

As noted in a recent article that relies upon information gleaned from a group of public adjusters working on behalf of property owners, it is important for homeowners to act promptly and smartly following property damage. Responsive action includes taking efforts to limit the damage, once discovered, and adequately documenting the loss through evidence collection, photos and so forth.

Following that, a responsive and good-faith insurer will do its job by following through on its contractual duties.

If, conversely, it seeks to deny or unduly delay a legitimate claim, or completely mischaracterize it, an insured party can secure prompt and knowledgeable assistance from an experienced insurance recovery attorney.

Source: Comcast SportsNet Philadelphia, "Storm-related claims on the rise," author not cited, Feb. 7, 2014

Those include recurrent cycles of freezing and thawing, with excessively cold conditions being followed by temporarily "balmy" temperatures just north of freezing. They include successive dumpings of snow, which is now piled on streets and yards -- and homeowners' roofs -- in abundance.

The result of such harsh weather can be a bummer for homeowners, bringing ice dams, damaged roofs and walls, burst pipes and many other property-related headaches.

Many of those are covered in homeowners' insurance policies. When a policyholder has acted responsibly in preparing for and seeking to prevent property damage, he or she has a reasonable expectation that damage that does result and is covered in a policy will be taken care of, with the insurer honoring its legal obligations.

As noted in a recent article that relies upon information gleaned from a group of public adjusters working on behalf of property owners, it is important for homeowners to act promptly and smartly following property damage. Responsive action includes taking efforts to limit the damage, once discovered, and adequately documenting the loss through evidence collection, photos and so forth.

Following that, a responsive and good-faith insurer will do its job by following through on its contractual duties.

If, conversely, it seeks to deny or unduly delay a legitimate claim, or completely mischaracterize it, an insured party can secure prompt and knowledgeable assistance from an experienced insurance recovery attorney.

Source: Comcast SportsNet Philadelphia, "Storm-related claims on the rise," author not cited, Feb. 7, 2014

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