Bookmark this page on your mobile

QR Code image

What is this?

Daily Court Reporter - News Severe winter weather: 5 ways to protect yourself

 

Severe winter weather: 5 ways to protect yourself

As the weather turns colder and colder, Ohio Department of Insurance Director Jillian Froment is stressing the importance of conducting an insurance review with an agent in advance of winter weather.

“Ohio’s winter weather can be punishing, not only to your property but also to your finances, especially if you are without adequate insurance protection,” Froment said. “I encourage Ohioans to connect with an insurance agent to ensure their coverage is winter ready.”

Froment outlined five ways that you can avoid costly setbacks.

1) Review your homeowners and auto insurance and amounts with an agent.

Most property policies generally cover structure and contents damage from wind, ice, water (but not flooding), and burst water pipes. Roof, gutter, siding and window damage – such as from ice damming and collapse from the weight of snow – is also generally covered. Certain circumstances and deductibles will apply.

Vehicle damage caused by water-related events, ice, heavy snow and burst water pipes are normally covered under the “other-than-collision” (also known as “comprehensive”) portion of an auto insurance policy. This is optional coverage that has to be purchased.

2) Review personal possessions coverage options.

If you have a loss, actual cash value pays the value of the item the day it was destroyed. Replacement cost coverage pays in accordance with the value of a comparable item at the current market price. Renters should consider renters insurance to protect their possessions.

3) Ask about after the fact expenses.

Determine if the policy pays for such things as fire department charges, temporary repairs, debris removal, trees and shrubs, personal property storage, and certain living expenses.

4) Complete a home inventory.

Listing your possessions with photos and their values will prove worthwhile in a claim filing situation and help you determine if you have adequate insurance coverage. Download the free phone app myHOME Scr.APP.book or print a paper version at www.insurance.ohio.gov.

5) Winterize your property and vehicle.

For your home, clean debris from gutters and downspouts, address missing shingles and overhanging tree limbs. Inspect the underside of the roof from the attic for signs of leaks. Protect against frozen and burst water pipes by maintaining adequate heat in your home and winterize your pipes.

For your vehicle, tires should have adequate tread and air pressure. Keep the windshield wiper fluid tank filled and maintain at least a half tank of gasoline. Carry a windshield scraper and brush for ice and snow removal. Also in your vehicle, keep a snack, water, extra warm attire, blankets and a first aid kit.

If you have questions about insurance call the Ohio Department of Insurance at 1-800-686-1526. Insurance information is available at www.insurance.ohio.gov. The Ohio Committee for Severe Weather Awareness’ website www.weathersafety.ohio.gov contains important safety information.

About the Ohio Department of Insurance

The mission of the Ohio Department of Insurance is to provide consumer protection through education and fair but vigilant regulation while promoting a stable and competitive environment for insurers.

Date Published: November 29, 2017

 

Ohio Department of Insurance

 

Big Four partnering with University of Dayton for internship opportunities

Big Four accounting firm EY is partnering with the University of Dayton to prepare students for the corporate world and provide them internship opportunities.

Dayton men’s basketball return home to host Akron

Looking to get back on track, the University of Dayton Flyers host the Akron Zips on Saturday, Nov. 25 at 7 p.m. ET.

Fiona’s Feelings book for babies in Cincinnati stores

Baby hippo Fiona’s face is all over a new board book, Fiona’s Feelings, by Blue Manatee Press owner and pediatrician Dr. John Hutton. Photographs of Fiona included in the book show her “expressing” various feelings, such as “happy,” “sad” and “scared.”.

"Send Them Home Saturday" pet adoption event - November 25th

The Montgomery County Animal Resource Center (ARC) is holding its annual ‘Send Them Home Saturday’ pet adoption event on November 25th. In addition, Lucky’s Taproom & Eatery, located at 502 East 5th Street in Dayton, is generously sponsoring this event!

Sinclair Bookstore: After Thanksgiving appreciation sale

Stop by the Bookstore November 27 - December 1 for savings!

Sinclair announces FlexPace online program for students

SinclairOnline announces that the academic program known as Accelerate is changing its name to better reflect the flexibility possible to complete a credential at a pace that fits a student’s lifestyle. The new name is FlexPace.

Wright State University Boonshoft School of Medicine offers training for treatment of opioid addiction

Licensed physicians, certified nurse practitioners and physician assistants who want to prescribe buprenorphine for office-based treatment of opioid use disorder can attend free waiver training Dec. 19-20 at the Wright State University Boonshoft School of Medicine.

WSU’s Raiderthon raises $45,695.21 for Dayton Children’s Hospital

Wright State University students raised $45,695.21 for Dayton Children’s Hospital during Raiderthon, Wright State’s fifth annual dance marathon, in the Student Union Apollo Room.

Fifth annual Raiderthon raising funds for Dayton Children’s Hospital

Wright State students can let loose, dance for hours, have fun, make new friends and watch great entertainment, all for a good cause.

Montgomery County to increase water and sewer rates beginning 2018

On Jan. 1, 2018, Montgomery County Environmental Services will initiate an approximate 14% combined rate increase for average residential water and sewer bills in Montgomery County, Ohio. An average Montgomery County residential customer pays about $170 per quarter for water and sewer service, and the rate increase will add about $24 to their quarterly bill in 2018.

Two healthy manatees return to Florida and three arrive in Cincinnati for rehab

Last month, popular manatees Betsy and BamBam left the Cincinnati Zoo & Botanical Garden to return to Florida waters. This is good news for the species but bittersweet for divers, care team members and visitors who have become attached to the charismatic animals, especially long-time resident Betsy.

UD football closes out 2017 season at Valparaiso

The University of Dayton, 5-5 overall and 4-3 in the Pioneer Football League, plays its final regular season game of 2017 Saturday at Valparaiso. The Crusaders are also 5-5 and 4-3.

Special report provides guidance to local governments on detecting, deterring thefts of citizen payments

Thieving public employees who capitalize on lax oversight have pocketed millions of dollars from transactions with citizens over past decade, according to a special report released recently by Auditor of State Dave Yost.

Bill would end practice of suspending driving privileges for non-driving offenses

A bipartisan lawmaker duo seeks to upend Ohio courts' practice of suspending an offender's driving privileges in instances in which the offense is unrelated to driving or using the vehicle in a criminal manner.

Gym tax-break plan favors non-profits, shrinks tax base, opponents say

House lawmakers seated on the Ways and Means Committee recently heard concerns of individuals who say a plan to make tax exempt gym memberships at facilities operated by charitable, non-profit groups will harm business at for-profit gyms and local governments' bottom lines.

Supreme Court of Ohio heard oral arguments last week, including whether a guardian can be appointed for an adult without notice

The Ohio Supreme Court heard three oral arguments Tuesday, November 21st, including a one made by a woman contesting the appointment of a guardian ad-litem for her right before her divorce proceedings went to trial.

Former postal supervisor from Akron sentenced to three years in prison for stealing a kilo of methamphetamine out of the mail

Two former U.S. Postal employees were sentenced to prison for stealing packages containing marijuana from the U.S. mail and then selling the drugs, said U.S. Attorney Justin E. Herdman.

House bill clarifies point at which speed limits become enforceable

Ohio motorists who wonder exactly when a posted speed limit change becomes effective may have a more concrete answer if a House bill clears both houses of the Ohio Legislature and makes it to Gov. John Kasich's desk.

Ohio's mineral resources valued at more than $1.6 billion in 2016

Ohio’s mineral resources produced more than $1.6 billion worth of geologic commodities in 2016, according to a newly released report from the Ohio Department of Natural Resources (ODNR). The total value of all nonfuel industrial minerals exceeded $1 billion for the third straight year.

Despite health care costs, workforce issues, Ohio business leaders optimistic

The cost of health care keeps some business leaders in central Ohio up at night.