WEATHER WOES: We’re sure some residents have some damage from all that wind and snow we’ve had this week.

Teresa Miller, Pennsylvania’s insurance commissioner, offered a little insurance advice for residents dealing with weather-related problems.

“Most standard homeowners’ insurance policies should cover typical winter storm damage to homes, such as a collapse caused by the weight of ice or snow, or water damage caused by burst pipes or ice jams in gutters and downspouts, which prevent proper drainage of water,” Miller said.

While many policies also cover damage from fallen trees or limbs, Miller recommends checking with the insurer before removing them. “Making permanent repairs before consulting with an adjuster could result in the denial of a claim, so property owners should only make temporary repairs to their home until a claims adjuster from their insurer views the damage.”

Get in touch with your insurer as soon as possible after experiencing home damage or after being in a motor vehicle accident, too, she said. “Follow the instructions given by your insurer, keep a record of the people you spoke with, and always ask questions if you don’t understand any instruction from your insurer.”

Miller said to take pictures of home, property, or auto damage to document to your insurance company.

Miller also suggested taking photographs of damage to houses, property or automobiles.

If you’re not sure what is covered, ask

And when you’re outside doing storm cleanup, take a few minutes to clear ice and snow for the Postal Service employees delivering mail.

“Letter carriers are instructed to use good judgment, and when warranted, to hold mail to addresses where ice and snow are not cleared.”

As Daniel Welch, safety manager for the Postal Service’s Western NY District, explained, “No one wants to inconvenience the customer. However, we must ensure the safety of our employees.”

The Postal Service offered these suggestions:

• Clear enough snow from curbside boxes to allow mail trucks to approach the box, deliver the mail and to drive away from the box without danger of the need for backing.

• Walkways should be cleared of snow and ice and allow enough traction to avoid slips, trips or falls.

• Steps should also be kept clear of ice and snow and in good repair so as not to cause injury to the letter carriers or others who visit the customer’s home.

• Overhangs should be clear and free of snow and ice to avoid injury.