Avoiding Costly Winter Homeowner’s Insurance Claims
January 18, 2016
Last winter it felt like the snow was never going to end. In fact, according to the Insurance Information Institute, the homeowners’ insurance claims last year more than doubled the average than in the past 20 years. Repairing any damage from recent winter weather and taking a few precautions will help you avoid having to make any future insurance claims. The following are the top 4 expensive winter-weather related insurance claims that were reported last year.
- Frozen Pipes
- Hail Damage
- Wind Damage
- Ice Dams
Taking these steps will reduce the risks:
- Drain and disconnect hoses
- Drain sprinkler supple lines
- Insulate pipes located in unheated spaces
- Apply pipe sleeves or heat tape to the most vulnerable pipes
- Keep the home warm, and if on vacation, set thermostat to 55 degrees or higher
- Inspect roof every fall and repair or replace loose or missing tiles
- If hail is a frequent concern, consider installing hail-resistant asphalt shingles
- Remove anything outside that isn’t nailed down
- Inspect home’s exterior for anything loose
- Insulate adequately so you homes heat doesn’t escape through the ceiling
- Seal gaps that let warm air leak from the houses in the attic
- Make sure attic is adequately ventilated so that col air from the outside can enter the space.
Taking all of these measures cannot guarantee that you won’t have to put a homeowner’s insurance claim in but it can prevent it significantly.