Fallen branches, downed trees and ripped siding from high-velocity winds are all possibilities during a windstorm. AAA has tips on what insurance can cover in case of damage:

VEHICLES

• Make Sure You’re Covered. Heavy wind or fallen tree limbs may be covered under the optional comprehensive portion of an auto policy.
• File Your Claim. You need to file a claim under your auto policy.
   

HOMES

• Wind Damage: Damage to your home and its roof, as well as other insured buildings on your property, may be covered by your homeowners policy.
• Falling Trees: If they fall onto your home, another insured building on your property or a fence, you may be covered. Tree removal may be covered up to a certain amount, provided the tree hits a structure or blocks a driveway. It may not be covered if it just falls on the ground.
• Food Spoilage: If a power outage causes the contents of your refrigerator or freezer to spoil, it may be covered by your homeowners policy.
• Living Expenses: If your home is damaged so severely that you’re forced to live elsewhere, your homeowners policy may cover reasonable expenses while it is being repaired.

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WHAT TO DO AFTER THE DAMAGE:

• Make sure to document the damage if you can do so safely.
• If there is roof damage, let a roofing professional or claims representative photograph it.
• You may need to cover any broken windows or doors with tarps or plywood to prevent further damage. You may be able to submit receipts for reimbursement along with the claim.
   

 

To find out more about homeowners or auto insurance, visit AAA.com/Insurance, stop into your local branch or call 1-888-671-7044 to be directed to a local AAA agent.

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