Jorgensen Insurance Agency

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Evidence that a homeowner could have done more to protect the property before or during a storm will be taken into consideration.

If a homeowner knew that a tree or its limbs were at risk of falling but took no steps to trim or remove them, the homeowner can be held liable if they do fall and cause damage.

If pipes broke because they were neglected — if the heat was off, or the pipes were not drained, for example — you may be denied coverage.