When you are facing what appears to be one of the worst winters in recent memory it’s understandable that you are a bit nervous about the potential for damage. Some of the temperatures reported across the United States have been record-breaking. Stories about damage to homes caused by this winter weather abound. Are you covered for damage caused by wind, snow or ice?
If you haven’t already done so, now is the time to check your home insurance. Whether or not you are covered for winter storm damage is really dependent on the type of policy that you have in place and can also be determined by the actual damage incurred.
Have a look at the small print. You will find that the majority of standard home insurance policies provide protection against many of the keynote risks. These may include ice, freezing rain, wind and severely low temperatures. Check carefully to see if you have any exclusions. In particular you may find that damage related to flooding may not be covered and you should talk with your insurance agent about getting in place a standalone flood insurance policy if need be. Remember that flooding can be a particular peril in winter if you’ve had a heavy snowfall. All of that moisture has to go somewhere when the temperature rises and sometimes existing systems are overrun.
What happens if you are a snowbird, somebody who hightails it toward the south whenever winter comes around? What happens if you go on an extended skiing holiday somewhere and leave your home unattended? You must make preparations before you leave to ensure that your house is “winterized.” Make sure that you drain the water from all the pipes and shut the system off at the mains. In addition, you should talk with your home insurance agent regarding any liability you may have should you leave the home unattended for a lengthy period of time. Some policies do have exclusions related to homes that are left unattended in this way.
You should be as prepared as possible whenever winter time rolls around. Ensure that you have weather-proofed your home and have done as much as you can to prevent damage caused by those inevitable storms. It may be a good idea to check that your auto insurance is adequate too.
Are you planning to leave your home for an extended period of time this winter? What have you done to prepare?