Storm updates & FAQ’s

We have phone and power in our Pembroke and Plymouth offices. Osterville has no phone or Internet so all calls are being forwarded to our Plymouth office until we are back up and running.

We are fully operational and prepared to help our clients deal with any claims. I thought I would post a couple of quick FAQ’s we get in this type of storm.

Q. If I lose power and need to get a hotel room will my insurance will cover me?
A. You need to have a covered loss such as tree damage or a fire in order for your insurance policy to cover expenses related to you having to stay elsewhere.

Q. A tree fell in my yard, but did not damage anything. Will my insurance pay to remove the tree?
A. The unendorsed home insurance policy will not cover this type of loss. Insurance companies offer an endorsement to cover this that usually includes other coverage upgrades as well.

Q. My furnace died will my insurance pay to replace it.
A. Unless you had a power surge (even this situation can be tricky to cover sometimes) that caused your furnace to stop working your insurance policy would not cover this.

We are here for you so please feel free to stop in, call us or send an email if you have any questions or need assistance.

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages available to you. Always consult your policy for actual coverages and exclusions.

Stay warm and be safe.

Steve Murphy

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