Common Winter-related Property Insurance Claims

Winter can present many issues. Colder temperatures, reduced daylight, slippery conditions and severe storms can all threaten even the most well-maintained properties. Regardless of your preparedness, you should be mindful of possible insurance needs, as winter may directly or indirectly cause property damage that could require you to file a claim against your policies. Fortunately, by understanding common property-related claims, you may be able to minimize risk and limit losses.

4 Common Property Insurance Claims Related to Winter

Whether you own a home or commercial property, you should be mindful of how winter conditions could increase their risk of damage. Consider the following frequently filed property insurance claims and how you can account for winter conditions to prevent losses:

1. Furnace and heating issues—It’s quite common for buildings’ heating systems to be heavily taxed during frigid winter temperatures. Malfunctions and other issues can require expensive repairs, but regular maintenance, including professional inspections, can help limit such situations.
2. Damaged roofs—Snow, rain and ice can all pummel away at a property’s roof. Moisture exposure and the weight of snow and ice can cause roofs to collapse or erode materials away to cause cracks and leaks. Inspect roofs regularly and keep gutters and downspouts clear to ensure proper drainage.
3. Burst pipes—Lower temperatures can quickly overwhelm water and sewer systems, causing liquids to freeze and expand, potentially causing pipes to burst. Insulate pipes and shut off water entirely in outdoor areas to limit the risk of these issues.
4. Fires—Although the cold temperatures of winter may seem contrary to fire risk, such conditions can easily exacerbate various ignition risks. Use space heaters, fireplaces and other heating sources responsibly and never leave them unattended to avoid winter fires and subsequent property damage.

Get the Right Coverage

Regardless of precautions and awareness, winter may adversely impact your property. Fortunately, by having the right insurance coverage, you can retain access to financial resources capable of limiting your losses.

Contact Pacelli Insurance in Saint Marys, PA, today to learn more about property coverage and ensure you’re protected from winter-related dangers.

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.