As high winds and rain work its way across the western and central New York region, some may face property damage; AAA Western and Central New York is reminding its insurance customers that AAA is here to help.

AAA has tips on what insurance can cover in case of storm damage:

•    Wind Damage – Wind damage to your home, its roof, and other insured buildings on your property, such as a stand-alone garage, would fall under your standard homeowners policy. Claims for cars damaged by wind would fall under the comprehensive portion of your auto policy.

•    Falling Trees – Trees crashing down onto the roof of your home, another insured building on your property, or a fence can cause damage that may be covered. Removal of the tree may also be covered up to a certain amount, provided it hits a structure or blocks a driveway. It may not be covered if it just falls on the ground. The comprehensive portion of your auto policy could cover cars damaged by fallen trees or branches.

•    Food Spoilage – If a power outage caused the contents of your refrigerator or freezer to spoil, it may be covered by your homeowners policy. 

•    Living Expenses – If your home is damaged so severely that you’re forced to live elsewhere, your homeowners policy may cover reasonable expenses while it is being repaired.

If you do have damage, make sure to document it if you are able to do so safely. If there is roof damage, let a roofing professional or claims representative photograph it. Cover any broken windows or doors with tarps or plywood to prevent further damage and save receipts to be submitted for reimbursement along with the claim.

To find out more about homeowners or auto insurance, stop into your local branch or call (888) 671-7044 to be directed to a local AAA agent. They will be able to help you understand your policies or find the right coverage for your home and car.