Q. What should I do if my home is damaged by a storm?

Notify your homeowner's insurer as soon as possible. Obtain estimates for repair of any damage and collect documentation as to the identity and cost of any damaged personal items in order to provide as complete and accurate proof of loss to your insurer as possible.

Q. I have personal liability coverage with my homeowner's insurance policy. What does this protect?

Personal liability coverage through your homeowner's insurance policy protects you and all family members who reside in your home from claims of bodily injury or property damage to others for which you are liable.

Q. Is auto liability excluded because it is covered separately?

Yes.

Q. Does homeowner's insurance cover flood damage?

Generally, homeowner's will have windstorm that does not cover flood damage. Flood insurance is available from the National Flood Insurance Program. Many mortgage companies require flood insurance, so you may already have it. If you do not have flood insurance you should contact the insurance agent who sold you your homeowner's coverage