Winter can be a beautiful season, but it also brings a host of challenges for homeowners. From heavy snowfalls to freezing temperatures, winter weather can cause significant damage to your home, depending on the climate where you live. Understanding the common types of winter weather-related home insurance claims can help you prepare and protect your property.
Frozen Pipes 
When temperatures drop, water in your pipes can freeze and expand, causing the pipes to burst. This can lead to extensive water damage in your home, requiring costly repairs and cleanup. To help prevent frozen pipes, insulate your pipes and keep your home adequately heated during cold spells.
Snow and Ice
The weight of accumulated snow can strain your roof, leading to leaks or even collapse in severe cases. Ice dams, which form when melting snow freezes at the edge of your roof, can also cause water to back up under shingles and into your home. Regularly clearing snow from your roof and ensuring proper insulation and ventilation can help mitigate these risks.
Winter Storms
High winds and heavy snow can cause trees to topple or branches to break off, potentially damaging your home, car, or other property. Maintaining your trees by trimming overhanging branches and removing any that are dead or weakened to reduce the likelihood of such incidents is crucial.
Furnace Breakdowns
Furnaces and boilers can break down under the strain of constant use, leaving your home without heat during the coldest months. Regular maintenance and timely repairs can help keep your heating system running smoothly and prevent unexpected breakdowns.
Falls on Icy Walkways
If someone is injured on your property due to ice or snow, you could be held responsible for their medical expenses. Keep your walkways and driveways clear of ice and snow, and use salt or sand to improve traction and prevent such accidents.
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Contact Jones-Byrd Insurance Agency in Dunn, North Carolina, for a home insurance quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.