Is Your Virginia Property Insurance Storm Proof?

Posted on: February 23, 2015 by titan-goodrich

Is Your Virginia Property Insurance Storm Proof?The onset of stormy weather shook up many parts of Virginia last week as parts of Arlington, Alexandria, Prince William, Fairfax and many other counties came face to face with heavy winds, snowfall and far below normal temperatures. Thousands of residents and businesses were without power throughout Virginia and Maryland last weekend as a result of winter storm that hit the Virginia area. Freezing rain, single digit temperatures, ice and heavy snowfall has many communities still concerned about the possible ramification of the recent storms, especially property owners.

Winter storms can be extremely problematic in regions such as Virginia where such weather is relatively uncommon. Property owners are often caught off guard and unprepared when snow begins to fall and the roads begin to freeze. If the proper precautions aren’t taken, winter weather conditions can lead to property damage from structural collapse and other failures as well as injuries and illness from the cold. As such, it is vital that property owners check with their Virginia insurance agency and provider to see what losses are and are not included in their Virginia Property Insurance policy.

Will your property insurance protect you if heavy snow fall or windy causes your roof to collapse or if extremely cold temperatures cause your pipes to freeze? The answer depends on how your property insurance policy is written, and whether your policy provides coverage for named perils or open perils. The American Association of Insurance Services (AAIS) identifies the weight of ice, sleet and snow as named perils. Essentially this means that damage from the weight of ice, snow or sleet to a building or property contained in a building is covered under any policy which does not specifically exclude such events. Resulting damages to roofs, ceilings, and other structural feature or internal contents of an insured structure would therefore be covered as well. With named perils coverage, it is the responsibility of the insured party to prove that a covered peril was the cause of the loss, so it’s important to know the ins and outs of your specific coverage well.

At Goodrich & Watson, we can help Virginia property owners secure the Virginia property insurance coverage they need to protect their assets. Whether you are looking for commercial property policies or personal homeowners insurance coverage, we can our Virginia insurance agents can help you secure the right coverage for you. To learn more about our operation and all our offerings, contact us today at (888) 829-5004.

Posted in: blog Homeowners Insurance Property Insurance

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