Common Property Insurance Claims During Winter

Whether you own a residential or commercial property, you must account for various physical threats that may change throughout the year. Winter can be a particularly problematic season for property owners, as various common weather patterns, including frigid temperatures and wet conditions, can present significant threats. Fortunately, by understanding common winter-related property insurance claims, you can position yourself to prevent them or at least limit the damage.

4 Frequent Winter-related Incidents

Consider the following common reasons you may need to file a claim against your insurance for repair or rebuild costs:

1. Roof repairs—Ice, snow, sleet and other precipitation can pound away at your roof throughout the winter months, potentially adding significant weight and creating hazardous conditions. Ice dams may be particularly problematic, as they can restrict proper drainage and leave water with nowhere to go but into cracks in your roof.
2. Fires—Although cold temperatures, ice and snow may not evoke images of flames and embers, these threats may become more prevalent during winter months. Space heaters, candles and fireplaces may be used more frequently, increasing the risk of accidents.
3. Plumbing issues—As temperatures drop, they can cause serious problems for your plumbing systems. If the liquid in your pipes freezes, it typically expands and can cause a burst, potentially inflicting significant water damage and necessitating expensive repairs.
4. Tree-related damage—Winter weather often features powerful winds and heavy snow. Both conditions can put a strain on trees and branches. Should these features of your property crack under the pressure of a harsh winter, they can inflict devastating damage to nearby structures and lead to extensive financial losses.

We’re Here to Help

At Gaulin Insurance Agency in Cranston , Rhode Island, we’re well-positioned to help property owners understand winter-related risks and ensure they have suitable coverage. Contact us today to learn more or to compare personalized quotes.

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.