With predictions of record-breaking, freezing temperatures and plenty of powerful snowstorms, this winter is forecasted to be quite eventful in different parts of the United States. Year over year, winter storms continue to be more extreme and lead to rising winter-related insurance claims — a fact that has homeowners and business owners alike thinking about how to prepare.
It’s important to understand how extreme winter weather may affect your home or business and how to avoid costly winter-related insurance claims. At Doeren Mayhew Insurance Group, we specialize in proactive risk management that will protect your home or business from unforeseen damage or third party claims that are associated with colder temperatures and nasty winter storms.
Our customized insurance solutions help you minimize risk based on your unique circumstances and risk profile. Taking some simple, proactive steps and securing comprehensive insurance protection will provide a defense against potential losses. From wind and roof damage to frozen pipes and liability concerns like slips and falls, we explore some of the most common winter-related insurance claims and how to avoid them.
Wind Damage
Intense winter storms bring powerful wind gusts that lead to a majority of winter-related insurance claims. From physical damage to your car or property to downed trees that require removal, some claims are not covered under standard insurance policies. Ahead of what could be a costly storm, remove or store outdoor furniture and other items that may not stand a chance against powerful winds. Trim tree branches and proactively remove trees that are weak to avoid trees falling on your or a neighbor’s property.
Roof Damage
No matter what type of home roof you have, it’s at the mercy of the elements when a big storm hits. It’s important to remove heavy amounts of leaves, snow, and ice from your roof before accumulation causes problems. The weight of this collected debris could be enough to put pressure on the roof materials and warp the structure, thus rendering the roof vulnerable to collapse. Hire a seasoned professional to conduct a thorough roof inspection to assess pre-existing issues or to provide a professional cleanup and necessary repairs.
Frozen or Burst Pipes
Pipes tend to freeze, expand, and burst in the winter months which leads to devastating water damage, flooding, and mold. Keeping your indoor temperature to at least 55° — whether you or at home or not — will help keep your home warm enough to avoid frozen or burst pipes. Be sure to drain and disconnect faucets, sprinklers, and hoses during the colder months when they may not be in use. Take some time to understand how and where water should be shut off in the event of an emergency and prepare to utilize a backup power source if need be.
Slips and Falls
Liability concerns rise in the winter months due to increased risk caused by snow and ice. Avoid costly insurance claims related to winter-related slips and falls by keeping up with seasonal maintenance duties that ensure a safe environment for all welcomed guests and employees. Be sure to shovel and remove dangerous snow and ice from sidewalks, stairs, landings, driveways, and parking lots, as well as provide ample lighting and secure railings.
As the winter storms roll in, it’s important to take proactive steps to avoid winter-related insurance claims and protect your financial security. At Doeren Mayhew Insurance Group, we will work with you to customize insurance solutions that meet your unique needs. Contact us today to learn more about how to safeguard your home or business from the financial stress of winter-related insurance claims.