Spring is finally here, though, in Northeast Ohio, that doesn’t necessarily mean the end of snow and winter storms. Winter storms can wreak havoc on your home and it is important to know what is covered by your insurance policy so you are not left footing the bill for damages done. It is estimated that over $2.1 billion dollars were paid out from winter storm damage claims by insurance policies in 2019. A lot of these are things that could be prevented with proper preparations. Take a look at the most common winter damage insurance claims and what steps can be taken to avoid them.
Roof Collapses
The build-up of ice and snow can be treacherous for a roof. If the build-up becomes too much weight for the roof to bear it can collapse, resulting in extensive – and expensive damage. Most insurance policies will help cover the cost of replacing or repairing the roof, but coverage limits will likely apply so be sure to check what your policy covers. Even with insurance, roof repairs and replacements, especially in the winter, can be a huge annoyance. Prevention can be hugely helpful in avoiding the headache and cost.
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Clean your gutters
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Clear your roof of ice and snow after every snowfall
Frozen Pipes
Water damage from frozen is a significant source of winter home insurance claims. Frigid winter temperatures can cause water to freeze and expand, resulting in cracked and damaged pipes. Most homeowners insurance will cover resulting damages from this occurrence, but it will likely result in a costly claim raising your rates.
Some frozen pipes are considered a preventable problem and if your insurer decides the damages are a result of negligence you may be paying out of pocket for any necessary repairs.
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Insulate exposed pipes and seal cracks to prevent leaks and bursts
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Know the location of the main water shutoff valve, and if your pipes freeze work quickly to shut off the water to prevent the pipes from bursting
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Drain and disconnect hoses and sprinkler supply lines
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Keep your home at 60 degrees F or above.
These are the leaders in the world of winter insurance claims, but it is important to be aware of other potential hazards. Ice dams result from snow on your roof melting and then refreezing, forming ice on your gutters that prevents proper draining and causes build-up. Wind and Hail damage can cause damage to just about any piece of property you own.
SERVPRO is a team of experienced professionals that know winter damages and how to minimize and repair them. They can help you winterize your home in prevention, or if a disaster occurs they will be there FAST to help keep the damages as low as possible, they will even help you navigate with your insurance company. Reach out at 1(800) SERVPRO for any winter needs.