December 1, 2016 – As we approach the second winter since breaking the Massachusetts snowfall record, it’s important to make sure that your property is covered against potential damage due to snow and ice. This means not only making sure that your insurance is up to date, but also that you know what kind of damage your policy covers. From car insurance to homeowners and renters policies, safeguarding your possessions against the many dangers winter weather brings can help make sure you aren’t paying for a collapsed roof or a car destroyed by a snow plow out of your own pocket.
A great first step to take in making sure your property is protected is to read through your policy so you know what you’re covered for. Your policy is a legal agreement that you have signed, and the insurance company is responsible only for what is included in that agreement. You can request a full copy of your policy from your insurance company, as well as speak to your insurance agent (if you have one) to have them help you understand what you are covered for.
If you do end up needing to utilize your coverage after experiencing damage, you should contact your insurance company as soon as you can to make sure there aren’t any issues in having your claim covered. If you disagree with the insurance companies decision on whether or not to cover your damage, or disagree with the amount they will pay, you can file a complaint with the Massachusetts Division of Insurance, which will review your case and determine what the insurance company is responsible for. If you don’t receive a favorable determination from your complaint and are seeking legal representation, please call us today at 617-742-0625 or submit an online request, and the BBA can help put you in contact with an experienced and affordable attorney.