Common Home Insurance Claims in Cold Weather and How to Avoid Them

As a homeowner, you’re likely aware of many of the risks and perils that could threaten your property. However, potential incidents may be dynamic and change throughout the year. This may be particularly true in winter; when temperatures drop, homeowners often face a range of challenges that can lead to insurance claims. Understanding these common issues and taking proactive steps can help mitigate risks and protect your home.

Common Winter-related Home Insurance Claims

Consider the following common home insurance claims that may arise from winter conditions and how you can potentially limit risk levels:

• Frozen pipes—One of the most frequent cold-weather claims is due to frozen pipes. When water freezes, it expands, which can cause pipes to burst and lead to significant water damage. To prevent this, insulate pipes in unheated areas, keep your home warm and let faucets drip during extreme cold spells to keep water moving.
• Roof damage—Heavy snow and ice accumulation can damage roofs, leading to leaks or even collapse. Regularly clear snow from your roof using a roof rake, and ensure your attic is well-ventilated to prevent ice dams. Additionally, inspect your roof for any damage before winter sets in.
• Ice dams—Ice dams form when heat escapes from the attic, melting snow on the roof. The water then refreezes at the edge, creating a dam that can cause water to back up under shingles and into the home. Proper insulation and ventilation in the attic can help prevent this issue.
• Slips and falls—Icy walkways and driveways can lead to slips and falls, resulting in liability claims. Keep these areas clear of ice and snow by shoveling regularly and using ice melt or sand to improve traction.
• Heating system issues—Cold weather puts extra strain on heating systems, which can lead to breakdowns. Regular maintenance of your heating system, including annual inspections and cleaning, can help ensure it operates efficiently throughout the winter.

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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.