WASHINGTON, DC (WUSA) -- It's surprising, but it's true. Many homeowners don't know what their insurance policy actually does or does not cover.
According to a survey by MetLife, 31 percent of people weren't sure how much coerage they had on their home. While 46 percent of homeowners did not know which of their personal items were covered under their policy.
In fact, most people think all homeowners insurance policies are all the same.
Jim Whittle with the American Insurance Association is joins us to help clear up some of the confusion.
He shares some important information tohelp homeowners who are dealing with property damage in the aftermath of the recent storm.
Whittle says, "We always say to folks, be safe. Let's not make a problem into a bigger tragedy because someone gets hurt. And secondly, if folks have questions ask your insurer, ask your agent. They are there to help you."
The chief claims counselor says, "Now policies differ, but often yes, you can claim for loss of food in fridge if your home looses power. Many policies do provide a certain amount of coverage for spoiled food if your home's own direct electrical service is damaged.
However, if it's a general power loss impacting your block or neighborhood, and you don't hve damage to your own power line, it might not be covered if you didn't pay for a separate spoilage coverage."
What about that tree that fell from your neighbhor's yard onto your property. Whittle says, "Both homeowners insurance policies may pay for the removal if insured property is damaged. But, if you could prove that the tree was rotten and not properly cared for, then your neighbor will be held responsible for the removal."
AIA Recovering After The Storm
III Trees And Insurance
And if you loose itmes in the home due to storm damage he says, "Yes, that is covered. If you had wind damage to your residence and that resulted in contents damaged you are covered."
III Make Sure Your Home Is Properly Covered
Whittle also says, "don't forget to ask about Additional Living Expense Coverage. If your property is damaged from the wind storm and you must live elsewhere, you may be able to get paid for those additonal expenses up to a certain dollar amount or for a certain amount of time. Check with your insurer or agent."