Winter Damage That Isn’t Covered By Insurance

01/16/2018

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As extreme winter weather events become more frequent, so do the insurance claims as a result. The percentage of winter insurance claims have more than doubled the average of the previous twenty years. If you find yourself a little concerned over what types of damage cause expensive insurance claims, here’s a list of the four main ones to keep an eye on:

  • Frozen Pipes: One of the biggest overall sources of home damage. Usually, this kind of loss is prevented by your homeowner’s insurance, but if your insurance decides that it was preventable and the pipes were frozen due to negligence, you could be on the hook for a costly payment. So make sure you take the proper steps to ensure you’re doing everything possible to prevent pipes from freezing.

  • Hail Damage: Roof damage due to hail can be expensive, and while you can’t prevent hail storms, you can definitely prepare for them. Inspect your roof carefully to see if anything needs to be fixed. Typically, homeowners don’t notice hail damage right away, only months later when they start to leak. Don’t wait until it’s too late.

  • Wind Damage: One of the most common types of damage. To prevent damage, remove anything outside that isn’t nailed down and inspect the inside of your home for anything that may be loose such as shutters and gutters. It’s also a good idea to keep the trees along your house trimmed as well.

  • Snow And Ice: A little snow on top of your house can be a pleasant thing, but a lot of snow after a big storm? Not so much. Ice dams can occur as snow on your roof melts then refreezes. Also, ice forming in your gutters can prevent runoff from draining properly which can cause water to seep into your roof.