March 5, 2013

Vivian D. Laxton, Director of Public Affairs


Know What Your Insurance Covers When a Winter Storm Strikes

Preparing for Storm Includes Home Inventory, Policy Review

With forecasts predicting as much as 14 inches of heavy snow in parts of Maryland this week, the Maryland Insurance Administration urges residents to prepare before the storm. Homeowners and renters alike should review their policies to see which kinds of damage are covered and which are not. In addition, taking an inventory of your home now may ease your claims-filing process later.

Your insurance agent can help to explain specifically what is covered by your policy and what is not. The Maryland Insurance Administration offers guides and general information about insurance coverage on its website and on

Some ways to prepare for a disaster include:

  • Inventory your home. Whenever possible, take photos or videos of your personal property to support any claim you may need to file later. Smart-phone users can download a free home inventory application, myHOME, from the Insurance Administration’s website.
  • Safeguard your records so they will not be damaged or destroyed. Keep your policy information in a waterproof, fireproof safe or off-site, such as in a safe deposit box, or scan it and save it to a flash drive that you keep in an emergency kit.
  • Make sure you have your insurance agent’s name and telephone number, the insurance company’s telephone number, and all of your policy numbers, particularly if you have more than one or do business with more than one company.
  • Know how to shut off the gas, electricity and water.

Truck covered in snow

For more information on how to prepare for a major winter storm, read the Maryland Emergency Management Agency’s tips.  You also can read about Insurance Preparedness for Natural Disasters.

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