Lehigh Valley

Insurance agents: You could be reimbursed for winter storm expenses

BETHLEHEM, Pa. - With another storm on the horizon, insurance agents are advising people of a few things they should do before the lights go out.

"Making sure there are an adequate amount of flashlights and batteries strategically placed around the home," said Geoff Mosebach, owner of Mosebach Insurance and Financial Services Inc. "Also, a battery powered radio."

Mosebach also advises to purchase ice or make enough ice to keep food cold and prevent spoiling.

However, even taking the proper steps may not stop Mother Nature. So if the power does go out, "We do advise them to first and foremost get somewhere safe, whether it be friends, family, hotel," said Mosebach.

Depending on your insurance policy you could be reimbursed for the expense.

Most policies carry a perils of Mother Nature clause, meaning damage caused by storms -- whether it is spoiled food, roof damage, or frozen pipes -- could be covered.

Mosebach says all claims are looked at on a case-by-case basis, but the key is to be prepared for the worst case scenario.

"If they've exhausted all their resources, that is claimable, that is part of Mother Nature, which is a covered claim," added Mosebach.

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