Common Winter Claims For Homeowners Insurance

The weather outside is frightful and it can cause a lot of problems for homeowners. Snow, wind, sleet, and freezing temperatures can seriously damage your property if you are not prepared for it.

Here are some of the most common claims that homeowners file during the winter season so you can be on the lookout.  

  1. Burst water pipes. Burst pipes are a very common problem, especially during the winter months. It’s crucial to insulate your pipes and to keep your home warm to prevent them from freezing. A burst water pipe could not only cause issues for your plumbing system but also cause water damage to other parts of your house. Your homeowner’s insurance policy may cover the cost of broken pipes if they end up freezing during the winter and you can prove that your pipes were properly insulated.
  2. House fires. House fires occur the most during the winter months because more people are using portable heaters and turning lights on for longer periods of time. However, many fires also occur when holiday decorations come into contact with lit candles or an outlet. Never leave a space heater or candle unsupervised and keep your holiday decorations away from anything that could start a fire.
  3. Fallen tree branches. Winter weather can easily cause tree branches to end up where they shouldn’t be. Branches can break off under heavy snow and fierce winds. Unfortunately, if your home is in the trajectory of the branch, it could lead to roof damage, broken windows, or damaged siding. 

For all claims you are required to do what is necessary to prevent further damage to the property but wait to have full repairs done until an insurance adjuster is able to inspect all of the damage.

It’s no secret that homeowners insurance is vital to protecting your home and family. In fact, one in every 50 insured homes files a property damage claim related to wind and hail every year. That being said, if you don’t have homeowners insurance yet, it’s recommended to find an insurance company you trust.

Looking for homeowner’s insurance?

Whether you need homeowners insurance, renters insurance, car insurance, ATV insurance, or motorcycle insurance, Compliance Insurance has the insurance coverage for you. For more information about our homeowners insurance policies, contact Compliance Insurance today.