Spiking insurance claims caused by winter weather

Spiking insurance claims caused by winter weather

Posted: Updated:
LUBBOCK, Texas -

There were 183 crashes reported in the Lubbock city limits from last weekend's storm. This week's obstacle is the insurance companies, specifically when it comes to damage from the elements. That translates to potentially hundreds of insurance claims this week. 

"We are getting more calls than we normally do. We are fortunate that there are a lot of good agencies around so the number of calls are spread out of a hundred of claims that might mean an extra call or two percentage wise," Ron Hettler, President of Hettler Insurance Agency, said.

He said In the face of a crash, facing the facts is a must.

"The first thing to recognize is if you have an accident and there was no other car involved, it's your fault. A lot of people think, well we had a spin out it wasn't my fault, it was just there was a lot of ice there I wasn't expecting it, well it's considered to be at fault," Hettler said.

He added accident victims are likely to pay their full deductible if they collide with another vehicle and encourages drivers to call their agents as soon as possible.

Hettler recommends to not rent another vehicle until it's needed. Most rentals are usually for a 30 day period. 

"If your car is not drivable you obviously don't have a choice. You have to get it done right then, but the body shops are going to be backed up perhaps a little bit because they have a little bit more work then they were used to," he said. "You don't want to give up all 30 days, you want to make sure you have enough coverage to cover the complete time of repair." 

When it comes to damage to homes, the rule's the same an agent as soon as possible.

"Let them know what happened, they will send an adjuster to look at it once the weather clears. Unfortunately, you can always make temporary repairs if you've got water coming into the house, and if we had heavy winds yesterday, there is a chance it was due to the winds," he said. Something got torn loose and wind was allowed to lift the shingles and water got in, or the shingles are missing for that matter."

When it comes to doing repairs on either a car or home, make sure it's done by someone certified, with a warranty. 
   

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