Top Winter Insurance Claims and How to Prevent Them

Winter can be a challenging season for homeowners and businesses alike. Understanding the most common winter-related insurance claims can help you take preventive steps to protect your property and assets.

1. Frozen Pipes

Frozen pipes can burst and cause significant water damage. To prevent this, ensure your pipes are well-insulated, particularly those in unheated areas of your home. On extremely cold days, let faucets drip to maintain water flow, and keep your thermostat set to at least 55°F even when you're away.

2. Roof Damage

Heavy snow and ice can lead to roof collapses or leaks. Regularly inspect your roof for missing shingles or damaged areas before winter arrives. Clear gutters to prevent ice dams, and consider a roof rake to safely remove snow buildup.

3. Slips and Falls

Icy driveways and walkways are a major liability. Keep these areas clear of ice and snow, and use salt or sand to improve traction. Consider installing handrails for additional safety.

4. Fire Hazards

With increased use of heaters and fireplaces, winter sees a rise in house fires. Have your chimney and heating systems inspected and cleaned annually. Never leave space heaters unattended, and keep flammable materials at least three feet away from heat sources.

5. Car Accidents

Snow and ice make driving treacherous. Ensure your vehicle is equipped with winter tires and keep an emergency kit in your car. Drive slowly, increase following distances, and avoid sudden stops or turns to maintain control on slippery roads.

Taking proactive steps can minimize your risks and help you avoid common winter claims. If you're unsure about your coverage or need advice on winterizing your property, don’t hesitate to contact us.