Will insurance coverage cover your hotel stay during the storm? – KOIN.com

16February 2021

PORTLAND, Ore. (KOIN)– As Oregonians examine the damage from the current winter storm that brought snow and ice damage to the region, numerous will require to submit insurance coverage claims.

KOIN 6 News asked Brad Hilliard from the Oregon Department of Customer & & Business Providers what insurance coverage will and won’t cover.

Editor’s note: Responses have been edited for length and clarity.

Q: Will my property owner’s or renter’s insurance cover a hotel remain if my house is harmed?

Hilliard: If a tree or a limb or something has severely damaged the house, there’s an opening in the roof, there’s a hole in a wall, and it’s hazardous to live there, then yes, your normal property owner’s insurance will cover you to go stay at a motel or hotel, will cover some extra food expenditures and things like that. They’ll even assist cover boarding your family pet if you require to.

Q: What if your power is out for a long period of time? Will it cover a hotel then?

Hilliard: Normally no. If your home is still undamaged, there’s no real structure damage, you’re simply out of power, that is not going to qualify you for those extra living expenditures. However, it is essential to talk with your insurer because you might have some other types of scenarios (like a health factor) where you need power.

Q: What steps should you take after your home is damaged?

Hilliard: Contact your insurer and be specific. These winter storms trigger all types of different damage. Whether it’s trees down, the weight of snow could trigger a structure to collapse, lots of various things can occur. As you’re going out there to take a look at things, likewise make safety a leading concern. There’s still a lot of downed power lines and limbs that have not rather fallen out of trees yet, so be mindful of those as you assess your damage. File what you can. Take good photos, and jot down what’s harmed. Save all your invoices for working with experts or any supplies you acquire to make short-lived repairs, like if you have a damaged window and you require to board it up. Don’t get it fixed till the insurer has a chance to take a look at it, however you can make short-lived repair work so it is safe to live there.

< img loading="lazy" src="https://portlandmaineinsnearme.com/wp-content/uploads/2021/05/will-insurance-cover-your-hotel-stay-during-the-storm-koin-com.jpg"alt="" class="wp-image-797575"width ="640"height= "480"srcset ="https://portlandmaineinsnearme.com/wp-content/uploads/2021/05/will-insurance-cover-your-hotel-stay-during-the-storm-koin-com-2.jpg 2048w, https://portlandmaineinsnearme.com/wp-content/uploads/2021/05/will-insurance-cover-your-hotel-stay-during-the-storm-koin-com-2.jpg?resize=300,225 300w, https://portlandmaineinsnearme.com/wp-content/uploads/2021/05/will-insurance-cover-your-hotel-stay-during-the-storm-koin-com-2.jpg?resize=768,576 768w, https://portlandmaineinsnearme.com/wp-content/uploads/2021/05/will-insurance-cover-your-hotel-stay-during-the-storm-koin-com-2.jpg?resize=960,720 960w, https://portlandmaineinsnearme.com/wp-content/uploads/2021/05/will-insurance-cover-your-hotel-stay-during-the-storm-koin-com-2.jpg?resize=1536,1152 1536w, https://portlandmaineinsnearme.com/wp-content/uploads/2021/05/will-insurance-cover-your-hotel-stay-during-the-storm-koin-com-2.jpg?resize=50,38 50w, https://portlandmaineinsnearme.com/wp-content/uploads/2021/05/will-insurance-cover-your-hotel-stay-during-the-storm-koin-com-2.jpg?resize=640,480 640w"sizes="(max-width: 899px

)100vw, 640px”/ > A tree rooted out and crashed into an apartment building in downtown Portland at Park and Market. Q: If your trees have unsafe hanging limbs, will insurance cover the cost for

an arborist to cut them down? Hilliard: No. Your tasks as a property owner are really to take care of your residential or commercial property and keep it so if you remain in that scenario, you’ll sustain that expense by yourself. If it does fall and harm something then your insurance coverage would action in and assist at that point.

Q: If your power is out for a long period of time, can you get reimbursed for ruined food?

Hilliard: Yes. Your deductible does apply so if all you have is food damage, do you want to sue and have that on your record plus pay the deductible? However if you have damage to your house, you’re currently going to be suing, you can consist of the food putridity in there with it.

Q: What about damage to your vehicle?

Hilliard: You have three various kinds of coverage. Your comprehensive coverage is going to cover a limb falling on your cars and truck, a tree falling on your cars and truck, something while it’s parked. If you’re driving the automobile and you strike a downed limb or a downed tree you need to have accident protection for that. If you slide on the ice or trigger damage to another person’s home, you have liability coverage on your policy to cover that.

A car captured on fire near a downed power line on February 15, 2021 in Southeast Portland (Credit: Lilly O’Neill)

Q: Do you anticipate an influx of claims following these winter storms? Should individuals expect hold-ups?

Hilliard: We do expect claims to start coming in for homeowners, renters, car, even service insurance also. Some grocery stores have actually been without power for several days and things are spoiling and getting damaged. So we do anticipate an increase to cover all these things for the next a number of weeks. Have a little patience, just like a lot of us are having persistence with getting our power turned back on. Insurer are likewise still attempting to work with wildfire victims. There’s a great deal of need out there, so be patient with your insurance provider, but make certain to contact them if you have damage and get the procedure began.

The Division of Financial Guideline’s consumer advocate team has insurance coverage specialists readily available to help if you have questions or issues with your insurance coverage. They can be reached toll free at 888-877-4894 or online.Source: koin.com

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