What Winter Claims Does Your Homeowners Insurance Cover?

Protect Your Home from Winter Damage

One of the best ways to prevent winter weather damage to your home is to take proactive measures. This can include trimming tree branches, insulating pipes and attics, and shutting off the water valve if you’ll be away from home for an extended period. Simple precautions can go a long way in protecting your home.

Understand What Your Homeowners Insurance Covers

When it comes to winter storm damage, most policies cover damage caused by wind, snow, ice, and freezing. However, it’s essential to note that coverage for freezing damage may depend on whether you took steps to prevent it. For example, if you properly insulated your pipes and they still froze and burst, your insurance may cover the damages.

Your policy should also cover the weight of snow and ice on your roof and the damage it causes. Keep in mind that flood damage is not typically covered by homeowners insurance. If you live in an area prone to flooding, it’s essential to have separate flood insurance.

Damage from Neglect or Poor Maintenance

It’s worth noting that damage caused by neglect or poor maintenance of your home is not typically covered by homeowners insurance. It’s essential to keep up with regular maintenance and repairs to ensure your home is in top condition and to avoid preventable damage.

Review Your Policy and Take Action

It’s crucial to review your homeowner’s insurance policy to make sure you are fully protected for the winter months ahead. Don’t forget to take steps to protect your home from winter weather damage, and follow our tips to have peace of mind knowing that your home is prepared for whatever Mother Nature has in store.

The entire team at The McBride Agency is happy to answer any questions you have about your current coverage. Schedule a call with us or import your current policies for a full review with our of home insurance experts using the buttons below. a


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