Home Insurance State of Ohio

Columbus, Ohio – With the potential of severe spring weather, Ohio Department of Insurance Director Mary Jo Hudson is reminding Ohioans to include a review of their insurance policies as part of their storm season preparation. "Spring weather in Ohio is unpredictable with flooding, hail, lightning, and tornadoes all having the potential to cause major property damage and possible financial loss," Director Hudson said. "Ohioans should take the time now to work with their insurance agent to ensure they have adequate coverage to protect against the state's volatile weather."
The Ohio Department of Insurance offers the following storm planning and insurance tips:

Advance Insurance Planning Tips:
Be sure you have adequate coverage and deductibles that are reasonable for your needs.
Examine your homeowner or renter's coverage, as well as auto policies, and discuss questions with an agent.
Rain, hail, lightning and tornado damage are generally covered in a standard homeowners and comprehensive portion of an auto policy.
Since flood insurance is not included in routine homeowner and renter's insurance policies, this is also a good time to check on the necessity and availability of flood insurance in your area.
A home inventory will assist in settling claims. Compile a detailed written inventory of your home and belongings and supplement that inventory with a videotape or photographs. Keep the inventory off-premises in a safety deposit box, or other secure location.

If You Have Suffered Damage to Your Property Due to a Storm:
Call your insurance company as soon as you can. Protect your property and safely salvage what you can.
Closely inspect property and cars for damage. Note and photograph any damage and losses. This will assist in settling claims.
Be sure your agent knows how to contact you if you can't stay in your home.
If required to seek temporary housing, check your policy for "loss of use" coverage. Many policies cover such expenses up to a stated amount.
Be sure everything is considered in your claim. Back-up claims with written estimates.