Possible Freezing Rain Tomorrow - Prepare Your Home for the Cold Weather

With plenty of snow and cold temperatures predicted this winter, it is important to prepare your home and review your insurance coverage.

Water damage, which can be caused by snowy conditions, and freezing account for almost 22 percent of all homeowners insurance claims and are the third-largest cause of catastrophe losses, behind only hurricanes and tornadoes. Standard homeowners and renters policies cover winter related damage, such as that caused by burst pipes, ice dams and wind, as well as damage caused by either weight of ice or snow.

Coverage for flooding, including flooding caused by melting snow, should be considered.  Melting snow can also overburden sewer systems, causing raw sewage to back up into the drains in your home. Backed up sewers can cause thousands of dollars in damage to floors, walls, furniture and electrical systems. Sewer back-up coverage can be purchased either as a separate product or as an endorsement to your homeowners or renters policy.

Beyond making sure you have the proper insurance coverage, there are also steps you can take to protect your home before the official start of winter on Monday, December 21, 2015.

Outside Your Home

• Clean out gutters. Remove leaves, sticks and other debris so melting snow and ice can flow freely. This can prevent ice damming, a condition in which water seeps into the house, potentially damaging ceilings and walls.
• Install gutter guards to prevent debris from entering the gutter and interfering with the flow of water away from the house and into the ground.
• Trim trees and remove dead branches. Ice, snow and wind can cause weak trees or branches to break and damage your home or car, or injure someone walking by your property.

Inside Your Home

• Add extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic, it can cause snow or ice to melt and then re-freeze on the roof resulting in an ice dam that can cause significant roof damage. Well-insulated basements, crawl spaces and unfinished rooms, such as garages, protect pipes from freezing
• Provide a reliable back-up power source. In the event of an electrical outage, continuous power will keep your home warm and prevent frozen pipes. Consider purchasing a portable generator to ensure your household’s safety.

Contact MIM for a review of your insurance policies, which is always a good idea this time of year, regardless of the temperatures!