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Know What Your Insurance Covers

Review Your Policy Before Storm

The following list of items are typically covered by a home owner's policy. Review your policy before a storm to be sure you have adequate coverage.

When a storm is approaching, most companies will not allow changes in coverage or initiation of new coverage, according to the Insurance Information Institute.

Covered By Typical Policy:

Trees and Shrubbery
Most insurance companies will pay for the removal of trees that have fallen on your home. They may pay to remove the trees that have fallen and haven't caused damage to your home or other insured structure. They usually won't pay to replace trees or shrubbery that have been damaged in a storm.

Water Damage
Homeowners policies don't cover flood damage but they do cover other kinds of water damage. For example, they would generally pay for damage from rain coming through a hole in the roof or a broken window as long as the hole was caused by a hurricane or other disaster covered by the policy. If there is water damage, check with your agent or insurance company representative to see if you are covered.

Compliance With Current Building Codes:
Building codes require structures to be built to certain minimum standards. In areas likely to be hit by hurricanes, for example, buildings must be able to withstand high winds to reduce the risk of hurricane damage. If your home was damaged and it was not in compliance with current local building codes, you may have to rebuild the damaged sections according to current codes. In some cases, complying with the code may require a change in design or building materials and may cost more. If you live in an area likely to be flooded, you may have to comply with federal codes which require buildings to be raised above flood level. Generally, homeowners insurance policies won't pay for these extra costs. However, some insurance companies offer an endorsement that pays for these extra costs, while some insurance companies offer an endorsement that pays a specified amount toward such changes. (An endorsement is a form attached to an insurance policy that changes what the policy covers.)

From the Insurance Information Insititute

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Detailed Forecast

Severe Weather Team 6
Tim Tender
Hi, I'm Meteorologist Tim Tender. I'm here every weekend with your updated forecast for the Alleghenies! Before you make any plans, tune in to WJAC-TV News at 6 and 11 PM.
Meteorologist Profile

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Sunday: Clouds will increase throughout the day and we could squeeze a few sprinkles out late.

L. Highlands:
Low to Mid 60s
E. Alleghenies:
Mid to Upper 60s
N. Alleghenies:
Mainly Low 60s

Monday: Heavier rain arrives and temperatures drop a bit.

L. Highlands:
Mainly Mid 50s
E. Alleghenies:
Mainly Mid 50s
N. Alleghenies:
Upper 40s and Low 50s

Tuesday: We'll have lingering showers with temperatures turning even cooler.

L. Highlands:
Mid to Upper 40s
E. Alleghenies:
Mainly Upper 40s
N. Alleghenies:
Mainly Mid 40s

Discussion:

Our string of nice weather is coming to an end into Monday with some rain. Cooler temperatures move in, too. Expect drier weather into the middle of the coming week before bringing in another shot at some rain later in the week.

3 - Day Forecast
Sat
Fair
67
Sun
Partly Cloudy
66
Mon
Rain
57

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Sunday: Clouds will increase throughout the day and we could squeeze a few sprinkles out late.

L. Highlands:
Low to Mid 60s
E. Alleghenies:
Mid to Upper 60s
N. Alleghenies:
Mainly Low 60s

Monday: Heavier rain arrives and temperatures drop a bit.

L. Highlands:
Mainly Mid 50s
E. Alleghenies:
Mainly Mid 50s
N. Alleghenies:
Upper 40s and Low 50s

Tuesday: We'll have lingering showers with temperatures turning even cooler.

L. Highlands:
Mid to Upper 40s
E. Alleghenies:
Mainly Upper 40s
N. Alleghenies:
Mainly Mid 40s

Discussion:

Our string of nice weather is coming to an end into Monday with some rain. Cooler temperatures move in, too. Expect drier weather into the middle of the coming week before bringing in another shot at some rain later in the week.

Weather News

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WEATHER SLIDESHOW
The weather in the Alleghenies is constantly changing. Here are some of the pictures taken by viewers from across the viewing area. Check back often for new pictures! Full Story ››
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Viewers' Photos: Winter Scenes