Common Property Insurance Claims During Winter

Winter can be a challenging season for property owners, often leading to a spike in insurance claims. Understanding the most common types of claims can help homeowners and businesses prepare and potentially prevent costly damages. At the M.L. Ruberton Agency, we’re pleased to offer guidance on this critical subject and stand ready to assist with your coverage needs.

Common Winter-related Incidents

When assessing and addressing your risk management and loss control measures, consider how the following common incidents might require you to submit a claim against your property insurance:

• Frozen pipes—One of the most frequent winter-related insurance claims is for damage caused by frozen pipes. When temperatures drop, water inside pipes can freeze and expand, causing the pipes to burst. This can lead to significant water damage, requiring extensive repairs and cleanup.
• Roof damage—Heavy snowfall and ice accumulation can put a lot of stress on roofs. The weight can cause roofs to collapse or lead to leaks as ice dams form. Ice dams occur when melting snow refreezes at the edge of the roof, preventing proper drainage and causing water to seep into the building.
• Heating system failures—Heating systems are constantly used during winter. Malfunctions or failures can lead to property damage, such as frozen pipes or fire hazards. Regular maintenance and inspections of heating systems can prevent these issues.
• Vehicle damage—Winter weather can also lead to vehicle damage, whether from accidents on icy roads or falling branches and ice. Comprehensive auto insurance typically covers these types of damages, but owners should be aware of the risks to vehicles parked on their premises.
• Fire damage—During winter, fireplaces, space heaters and other heating devices are used more frequently, raising the risk of fire. It is crucial to ensure that these devices are used safely and that smoke detectors are functioning properly.

By being aware of these common winter hazards, property owners can take proactive steps to protect their properties and reduce the likelihood of filing insurance claims. Regular maintenance, proper insulation and safety precautions can go a long way in preventing winter-related damage.

Get the Right Coverage

The dedicated team at the M.L. Ruberton Agency is well-equipped to help you address winter-related property claims. Contact us today to learn about coverage options or compare personalized quotes for ideal policies.

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.