Flooded House

Test your severe-weather insurance IQ

How well do you know what’s covered – and what’s not – when Northwest winter weather unleashes its worst on your home and car? Take our quick five-question quiz and find out.

1) If my neighbor’s tree falls on my roof, his insurance pays.

TrueFalse

2) As long as I’ve kept my home heated in the days before a power outage, I’ll be covered if the pipes freeze and burst.

TrueFalse

3) My insurance will pay for flood damage if a sudden snowmelt causes water to rise and inundate my home.

TrueFalse

4) If icy roads cause me to crash into another car, I can’t be held liable.

TrueFalse

5) If a lightning strike fries my home’s electronics, my insurance covers it.

TrueFalse

 

Answers:

  1. False. Unless your neighbor knew that the tree was a hazard (for example, an arborist had advised him to remove it) and he did nothing to correct the problem, your insurance will likely be the one that pays. Your PEMCO policy not only provides coverage for damage to your home, it also includes tree debris removal (up to a limit of $2,000 and, in Oregon, a $500 limit per tree), since the tree damaged an insured structure.
  2. True. Still, even with coverage, no policy can erase the heartache of ruined photos and lost mementos. For tips on freeze-proofing pipes, visit pemco.com’s “How to Protect Your Home in Winter.
  3. False. Sadly, one in three homeowners believe their policies cover the kind of devastating seasonal flooding you see every year on the TV news. In virtually all cases, it doesn’t. Flood insurance is available through the National Flood Insurance Program. Prices, which are set by the federal government, vary depending on your community’s risk for flood, the elevation of your home, your crawlspace’s venting, and other factors.
  4. False. Whatever the weather, every driver is responsible for deciding whether or not it’s safe to be on the road at all. That includes evaluating his or her equipment (tires, traction devices, etc.), terrain and road conditions, and experience driving in ice.
  5. True. Lightning is a named peril under your policy. See pemco.com for tips to “Protect your electronics from power surges."

Have a coverage question? Talk to your PEMCO agent or call 1-800-GO-PEMCO.