An ice storm of the magnitude of the one currently gripping much of Kentucky always brings questions about what insurance will and won't pay for.
Let's just say you've got a yard full of beautiful trees one day and you wake up the next morning to find all of them broken off from the weight of the ice. Will your homeowner's insurance pay to replace them?
State Farm Insurance agent Stewart Perry says, "No, your homeowner's insurance unfortunately doesn't pay for ice damage or wind damage to trees, plants, shrubs and that sort of thing. They will pay to remove them if there is damage to the property.
How about if a big tree in your yard falls across the fence into your neighbor's house?
Mr. Perry tells 27 NEWSFIRST, "That's a question that comes up more often than not. The way insurace policies work, it's your property we insure so if your neighbor's tree falls onto your house or fence, it's your policy that takes care of it. If your tree falls onto your neighbors' house, it's their policy that takes care of it. As long as you didn't do anything wrong, there's nothing that you can be held responsible for. It's just one of those things that happen."
But with so many people without power, will an insurance company pay up if damage results from stupidity like bringing your gas grill indoors to both cook and keep you warm.
According to Perry, "If you cause a fire to your house, whether it's out of negligence or not, it's covered under your insurance policy." But he says, "Of course I can't guarantee that we're going to want to keep your insurance policy. The best time to know what your policy covers is before the claim, not after the claim."
If you still have more questions, just call your insurance agent.