Approximately one-fifth of homeowners insurance claims are brought on by damage caused by water or cold temperatures—much of which comes as a result of snowy conditions. Although standard homeowners and renters policies cover winter-related damage, such as that caused by burst pipes, ice dams and wind, as well as damage caused by either the weight of ice or snow, there are a few steps homeowners can take to protect their homes before winter kicks in. These include:
Cleaning out the gutters. Remove leaves, sticks and other debris so melting snow and ice can flow freely, which prevents damming, a condition in which water seeps into the house, potentially damaging ceilings and walls.
Installing gutter guards. This prevents debris from entering the gutter and interfering with the flow of water away from the house and into the ground.
Trimming trees and removing dead branches. Ice, snow and wind can cause weak trees or branches to break and damage your home or car, or injure someone walking by your property.
Adding extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic, it can cause snow or ice to melt and then re-freeze on the roof, resulting in an ice dam that can cause significant roof damage. Well-insulated basements, crawl spaces and unfinished rooms, such as garages, protect pipes from freezing.
Providing a reliable back-up power source. In the event of an electrical outage, continuous power will help prevent frozen pipes. Consider purchasing a portable generator to ensure your household’s safety.
Keep in mind that coverage for flooding, including flooding caused by melting snow, is available from FEMA’s National Flood Insurance Program (NFIP) and from some private insurance companies.
Remember also that melting snow can overburden sewer systems, causing raw sewage to back up into the drains in your home. Backed up sewers can cause thousands of dollars in damage to floors, walls, furniture and electrical systems. Sewer back-up coverage can be purchased either as a separate product or as an endorsement to your homeowners or renters policy.