If you live in the northern half of the United States, chances are you deal with inclement winter weather. While winter is beautiful, it can wreak havoc on a home. The question is, what insurance coverage should you have to be prepared for winter storms?
Snow Damage
One of the most common claims insurance companies see during the winter is roof damage. When a buildup of snow weighs down the roof, it can collapse or wear away in spots, leaving you with costly repairs. Luckily, this type of damage is covered by most homeowners insurance. Check with your provider to be sure, but you should be okay.
Water and Ice Damage
Another common winter issue is water damage. When pipes get too cold, they can freeze and burst, causing floods in your home. This form of damage is a grey area for insurance coverage, so talk to your provider about your policy. Before winter sets in, make sure your pipes are in good enough condition to survive the cold.
Tree Damage
Finally, many homeowners see property damage from fallen tree branches. When these branches get laden with snow and ice, they can snap and fall onto homes, cars, and pedestrians. Unfortunately, tree damage is not covered by insurance. Trim up any potentially dangerous branches before the cold comes, and you should be good.
All in all, most winter issues are covered by basic insurance. If you’re unsure about your coverage, talk to your provider about the specifics of your policy.