OR| If your home or car was damaged from the ice and snow storm, the Oregon Division of Financial Regulation recommends calling your insurance company or agent to ask about your policy coverage, exclusions, and deductibles before filing a claim.
Winter storms can cause several different types of damage. Extensive damage, such as trees falling on a home or car, may require immediate attention. However, minor damage, such as food spoilage, a few missing shingles, or a scratch on a car door, may not exceed your deductible.
Before filing a claim, it is important to know if the amount of your loss is worth the effect filing a claim can have on your premium rates. It may be better to handle repairs yourself, if the loss is less than or close to your deductible.