High winds can cause significant damage, especially when power lines are involved. A storm can pull wires from your home, knock out electricity, spoil food, and create the risk of power surges that damage breaker boxes, appliances, and electronics. Understanding how home insurance works in Las Vegas, NV can help you prepare for these situations.
Who Is Responsible for Damaged Power Lines
In most cases, the electric company owns the power lines that run from the utility pole to your home. When these wires are damaged, the utility company is usually responsible for repairs unless the damage is determined to be your fault. Before filing a claim with your home insurance provider, contact your local electric company to have the damage inspected and begin the necessary repairs.
What Belongs to the Homeowner
While the wires and electric meter typically belong to the utility company, the attachment point on your home is usually the homeowner’s responsibility. This includes the bracket or hardware that secures the wires to the structure. If the attachment point is damaged, you may need to hire a licensed electrician to repair it. The electric company will inform you if they cannot safely reconnect service until the attachment point is fixed.
Covered Perils Under Your Policy
Your home insurance may help cover repair costs if the damage is caused by a covered peril. Wind damage is commonly included in standard home insurance policies. However, damage caused by neglect, such as failing to remove a known hazard, such as a leaning tree, is usually excluded. An agent at Amerisent Insurance can help explain which types of wind-related losses are covered and what exclusions may apply.
The agents at Amerisent Insurance understand that coordinating repairs between your utility provider and your insurance company can be stressful. Our team is here to help you understand how your policy applies and whether repair or replacement costs may be covered. Contact us today. We proudly serve the Las Vegas, NV area.
