If your roof is damaged by hail or your home is damaged by a fire, there is a good chance that you know you can file a homeowners insurance claim for these damages. However, not all of the coverage offered by your homeowners insurance policy will be quite so obvious. In some cases, you may not even realize that you are able to file an insurance claim to help cover your out-of-pocket expenses. In this article, you will learn more about three of these situations in which you may not know that you can file a homeowners insurance claim.
#1: Replacing Food That Spoiled As The Result Of A Power Outage
Severe weather can result in power outages that have the potential to last for several days. While you may be aware that your homeowners insurance provides coverage for the damage done to your home as the result of this severe weather, you may not realize that this policy also provides coverage for any food that you lose as a result of the subsequent power outage. While the exact amount of coverage provided will vary from one policy to the next, most standard homeowners insurance policies will provide enough coverage to cover replacing the food in your fridge or freezer.
#2: You Have To Stay In A Hotel While Your Home Is Being Repaired
When a home is seriously damaged it often becomes necessary for individuals living in that home to find alternative shelter until the necessary repairs have been completed. If you find yourself needing to stay in a hotel while your home is being repaired, you could submit a homeowners insurance claim to help you cover the costs of this temporary housing. In some cases, your insurance carrier may even offer a daily stipend to help you cover the cost of food while you are displaced from your home.
#3: Your Luggage Is Lost Or Stolen While Away On Vacation
Many people never think about the coverage their homeowners insurance provides while they are away from home. After all, it is quite easy to understand why many people believe that homeowners insurance is simply meant to protect your home and the items located inside it. However, this coverage can extend outside of your home if the items that are lost or stolen are personal property that is typically stored in your home. A perfect example of this type of coverage is luggage that is lost or stolen while away on vacation.
