Winter weather can cause substantial damage to buildings, both exterior and interior, with strong winds, freezing and bursting of pipes, roof and flashing leaks, ice dams, and much more.
So, it’s not a surprise that winter-related claims account for more than half of all homeowners’ insurance claims. While Mother Nature does its own thing every winter season, it still catches many people off guard – not only are many homeowners unprepared for the extreme weather, but many are also uninsured.
Unfortunately, statistics show that winter damage claims are actually quite common – about one in 15 insured homes have a claim each winter season.
Here are the top 8 common causes of home damage during severe weather:
1. Exterior Wind Damage
Each year, about one in 30 insured homes suffers a wind damage and files an insurance claim.
Heavy winds, tornadoes, and hurricanes are one of the most destructive forces on earth, and especially in the Northeast, wind is the most common cause of claims.
Data shows that approximately 25% of the U.S. homeowners’ insurance claims are the result of exterior wind damage.
It’s important to understand your homeowner’s insurance coverage and any wind exclusion that may apply.
When there’s a lot of snow, it can wreck your house, suffocate your gutters, destroy your deck, and tear down your trees.
Each year, about one in 30 insured homes have a hail damage claim – even small pieces of hail can cause big damage.
Roof damage from hail can be very expensive to fix, so if hail is a frequent concern in your area, consider installing hail-resistant asphalt shingles with a Class Four rating.
It’s important to understand your homeowner’s insurance coverage and any hail exclusions or limitations that may apply.
4. Plumbing-Related Water Damage
Each year, about one in 55 insured homes has a weather-related water damage claim.
Water damage from freezing pipes and water loss because of a broken pipe is the biggest source of home damage.
5. Roof Damage
Weight of ice and snow, fallen branches, and more can cause major damage to your roof.
6. Fallen Trees
There are many reasons a tree might fall, and it becomes vital to determine what caused the tree to fall, if any property was damaged by the fallen tree and whether or not the fallen tree blocked access to your property. Just because a tree falls, does not necessarily mean you have a covered claim.
7. Power Failure
Loss or displacement due to power failure during extreme weather; it may include food loss, depending on your type of policy.
8. Weather-related Flooding
This includes flooding due to melting snow, a sudden thaw, or excessive rainfall.
Flood damage due to surface water, and seepage from water pressure below ground is normally excluded. Check your policy, discuss obtaining coverage for water/sewer backup and sump pump failure, and consider a separate policy to cover flood damage.
Winter hazards pose a real danger to you and your property. Many of these types of losses may be preventable and can be avoided. A little preventative maintenance and common sense can go a long way in keeping your property safe and secure.
At Ross Insurance, our goal is for you to have a peace of mind and a high level of comfort about your home insurance, so we work hard to make sure you understand your coverage.
Our proficient and caring team is dedicated to performing our due diligence for each and every client. This is why we offer our clients and prospective clients what we call our “Ross Review”. We try to help you become smarter about your insurance, so if disaster strikes, there are no unpleasant surprises when it comes to your coverage.
Rest assured we will look for potential discounts, bundle policies where possible, and shop over 30 of the top-rated insurance companies worldwide to make sure you’re getting the best possible value for your insurance dollar. We also believe that preventing winter homeowner’s claims before they happen is likely to be your lowest-cost option.
When searching for reliable insurance company in Lancaster PA – trust Ross Insurance Agency for all of your property insurance needs: https://www.rossinsuranceagency.com/