Home Insurance, Winter Months, and Common Claims

January 22, 2019 by Chris Bibey

Even if you enjoy the winter season, you’re well aware of the toll it can take on your home. From the snow to the ice, from the sleet to the wind, you never know what’ll happen over the next few months.

While there are steps you can take to protect your home during the winter months, there’s no guarantee that you’ll avoid damage.

Here are several of the most common winter season home insurance claims:

1. Broken Pipes

As the temperature drops, it’s imperative to keep a close watch on both the inside and outside of your home. More specifically, keep your pipes as warm as possible.

If pipes become too cold during the winter, they could freeze and burst. Depending on the location and how soon you catch it, damage could easily reach into the thousands of dollars.

2. Fallen Trees and Branches

As snow and ice build-up on trees and branches, there’s a greater chance they’ll fall to the ground.

Tip: before winter arrives, do your best to trim back any tree branches hanging close to your home. This way, if a branch does fall, it’ll land harmlessly in your yard.

If a tree or branch does land on your home, the first thing you should do is call a professional. Don’t attempt to remove it yourself, as the tree could shift and cause serious injury or even death.

Also, take photos of the scene and damage so you can provide them to your insurance company.

3. Fire

It’s natural to assume that fires are more likely during the hot summer months, but this isn’t the case. Instead, it’s the colder months you need to worry about.

Many fires are the result of an attempt to keep your home warm, such as through the use of a fireplace. While there’s nothing wrong with this, if your fireplace isn’t properly maintained it could result in a fire.

Do You Have Coverage?

If you’ve yet to do so, check with your home insurance company on whether or not these occurrences are covered by your policy.

For example, if a tree branch crashes through your ceiling and makes your home unlivable, your policy may cover living expenses, such as a hotel, until you can move back in.

If you have any questions about your home insurance policy or are interested in extending your coverage, contact us to learn more about your many options.