Following severe weather that impacted McLean County communities over the weekend, State Farm has been responding quickly to reports of damage.
- As of this morning, State Farm has received 1,290 claims in Illinois and 1,680 claims in Michigan for the storms on from last Friday and Saturday (6/25-6/26)
- The highest concentration of claim reports are from Cook, DuPage, McLean, and Will counties
- Claim reports include wind damage, some hail, and back-up sewer & drain as a result of water intrusion
- Flooding is not covered under standard homeowners policies (it is a separate coverage that can be purchased primarily through the federal government’s National Flood Insurance Program or NFIP)
- Throughout the year, homeowners are encouraged to conduct an annual insurance review with your agent to make sure you have the appropriate homeowner and flood coverage in place when needed. It is important to remember that a flood insurance policy normally takes 30 days from the date of purchase to go into effect, so homeowners are cautioned to not wait until a flood is imminent to buy a policy.
Many questions from homeowners concern tree and debris removal
- If you have a downed tree, hire a professional tree removal company otherwise you could do more damage to your roof.
- Coverage for tree falls is provided under most homeowners policies when it occurs because of a storm, wind or lightning. If a tree falls in your yard and does not strike anything, there is no coverage. The tree must strike an insured structure or property, such as the house, garage, fence or carport. In some instances, removal may be provided if a fallen tree blocks access to a home or driveway but a deductible would apply.
- Damage to your home and its contents, and other structures on the property, is covered. There’s generally a percentage cap on coverage for structures other than your home, such as a detached garage.
- If a fallen tree doesn’t damage your home but blocks a driveway or ramp for the disabled, insurance may pay to have it removed. Otherwise, homeowners insurance won’t cover tree removal, unless your policy has an endorsement specifying that coverage.
- Damage to your automobile is covered by the comprehensive portion of your auto insurance policy. If a downed tree damages a vehicle that’s on your property file a claim with your auto insurance, not homeowners.
Storm Recovery
- Look for damage when it’s safe
- Capture pictures and video of damaged homes, vehicles and property
- Prevent further damage by making temporary repairs
- Save receipts for tarps and materials to prevent more damage
- Start your claims process online, on the app or by phone
Storm Rebuilding
- Make informed decisions when hiring a contractor. Get multiple written estimates from contractors your friends, neighbors and agent may recommend. Don’t pay for all work until it’s completed.
- Consider improved building materials if building or remodeling
