What to look for in your insurance policies before a storm

If your home, renter, or auto insurance policies are online, print the declaration pages or capture them on your phone.

INDIANAPOLIS — When a storm hits, minutes count.

If your home, renter, or auto insurance policies are online, print the declaration pages or capture them on your phone.

You don’t want to risk losing power or internet, and not being able to access it immediately.

Check that your coverage is current and paid.

Vehicle coverage

For your auto policy, write down the claims phone number and what your coverage includes.

Mark Friedlander of the Insurance Information Institute said collision covers hitting another car and damage is comprehensively covered by everything else.

“Suppose a tree falls on your car or there is heavy icing and it causes damage to your vehicle. It wouldn’t be covered if you don’t have full coverage,” Friedlander said.

If you decide to add full coverage, it will take effect immediately.

Friedlander said you also want to check your policy for rental car coverage and roadside assistance.

If you see you’ve skipped roadside assistance, don’t panic.

Your coverage could be with AAA.

On the contrary, now is a good time to make sure that you are not paying twice for a service.

Owner Policy

When it comes to your home insurance policy, again, start with your claims phone number on the declaration page.

If your basement gets water, it may or may not be a separate flood policy.

It just depends on why the water is there.

“If the sump pump fails because of a community-wide power outage, in most cases that would be covered by your home insurance. It wouldn’t be a flood issue. That’s different to say, you’ve got a foot of snow, the snow has melted and seeped into your basement,” Friedlander said.

If you decide to purchase a separate flood insurance policy, keep in mind that it won’t take effect for 30 days.

If you need to purchase damage-related supplies, track them for reimbursement and tax purposes.

pet insurance policy

If you need to board your pet in an emergency, some pet insurance policies will reimburse you for this cost.