The winter weather brings with it a number of risks, and is the perfect time to make sure you have the correct home and auto insurance coverage on your policy. Winter storms can include high wind, snow, and icy conditions that can cause damage to your home and auto. It’s the perfect time to review your policy and make sure that your coverage and deductibles are what you’re comfortable with.
Cold weather can cause pipes to burst, frost swells, ice dams, and other damage. Also, many people tend to use their fireplace more often during the winter months increasing the risk of fire. Below are a few tips to keep you, and your possessions safe during this time of year!
Winter Preparation Tips: Know what Your Insurance Covers and How Much You Need
- Winter-proof your car with a good set of of snow tires or chains, new windshield wiper blades, antifreeze, and emergency road supplies should a breakdown occur.
- Keep your attic cool to prevent melting, which in turn creates ice dams.
- Insulate your attic floor and make sure that it is well ventilated.
- Don’t overload circuits with extensive amounts of holiday decorations.
During a Winter Storm: Play It Safe When Winter Storms Hit
- If you don’t absolutely have to drive, stay put.
- If you must drive, be sure to have winterized your car and have a full tank of gas.
- When the air is cold, keep kitchen and bathroom cabinet doors open to allow warm air to circulate around the pipes.
- If your piped do freeze, let them thaw out slowly and normally, they will be less prone to burst.
- If you have no power, make sure not to leave candles on or unattended fires burning.
- If you have a generator, follow the instructions, and don’t use it indoors.
If you do experience damage due to winter weather, report it as soon as possible, and make all attempts to prevent further loss. Most insurance carriers offer 24hr claims reporting so contact your agent or insurance carrier at your earliest convenience.
For more Winter Preparation Tips, click here.