Is your condo ready and covered if this winter is like the last?

Last year New England had some really crazy weather. If that happens again this year, we want you to be ready and covered. One way to do so is to make sure your insurance adequately protects you from weather damage. For instance, if you live in a condo and ice dams develop on the roof of your unit, it is important that you know whose insurance is going to cover the damages. Damage as a result of ice dams may or may not be covered loss under the association’s insurance policy. Any damage done to the exterior of the condo, including the roof and exterior walls, is the responsibility of the association and will be covered by the condo’s master policy. On the other hand, damage done to the interior of your condo may not be covered and you may need to go through your standard homeowner’s , or may be called condo insurance, insurance policy to handle those claims. Personal items such as furniture, floorings, and other belongings within the condo may be covered by the homeowner’s policy, but likely is not covered by the condo’s master policy.

Note: The price to remove ice dams and repair the damage they cause can vary, so it is important to make sure that you keep your roof clear of ice during the winter months. Additionally, as ice dams are clearly a costly issue to face, understanding the insurance processes around them is very important.

Call us today if you have an additional questions on your  current condo homeowners insurance coverage. Feel free to reach us at www.keslarinsurance.com or 603-273-0953.

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