Record-breaking winds can leave downed trees and power lines in its wake, not to mention many homes and businesses without power. When wind storms occur, for many the big question will be, "Is this covered under my insurance?"

AAA Members Insurance Agency of Western and Central New York Inc. has some answers

• Wind Damage - Wind damage to your home, its roof, and other insured buildings on your property, such as stand-along 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 of 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 claims. 

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.

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