Winter weather can be a homeowner’s worst nightmare. Blizzards, ice storms, and high winds can cause all sorts of damage to your home. It is important to be prepared for these types of weather conditions and know what to do if your home is affected. In this blog post, we will discuss the different ways that winter weather can damage your home and how homeowners insurance can protect you. We will also provide some tips on how to prevent damage from happening in the first place! Stay safe this winter!
First things first, how does homeowners insurance protect our home in the winter months? Well, when the weather gets cold, especially below freezing threshed, homeowners insurance will cover roof damage as well as burst pipes. With proper coverage, homeowners insurance can help alleviate the stress caused by winter weather but it’s also best to take preventative measures before damage even occurs. This will not only protect your home but cut down on insurance costs.
Why do frozen pipes burst in the winter? Freezing temperatures can cause water left in the pipes to freeze and expand, resulting in a burst pipe. Pipes that are located on an exterior wall or any other area of your home that is exposed to cold winter air are most prone to freezing. To prevent this from happening homeowners should keep the thermostat above 55 degrees Fahrenheit throughout the day and night and open cabinets under sinks or near exterior walls so warm air can circulate around them. This will help reduce the chances of your pipes freezing over. Additionally, you should check for leaks regularly and wrap any exposed pipes with insulation materials like foam rubber or fiberglass sleeves.
Roof damage can occur year-round, but in the winter your roof can be even more vulnerable to damage due to snow and ice build up. When snow is left on your roof, it will eventually start to melt, and that is when water can start to seep into your home. The falling snow can eventually turn into ice on your roof which can cause your roof to sag and result in cracked tiles or a weakened structure. To prevent this, homeowners should regularly clean off the snow and ice build up on their roof. Roof snow rakes are great tools for this task, as they allow homeowners to safely remove snow from their roof without having to climb a ladder or get too close to the edge of the roof. If the roof is too high never try anything that can put you in harms way, that is where roof rakes come in handy. Roof rakes are long poles with a t-shaped head, homeowners can clear snow from the higher areas of their roof without having to get up on it. Additionally, homeowners can have heated cables installed around the edges of the roof that will help melt ice without damaging the shingles or tiles.
Finally, homeowners can take additional steps like applying weather stripping around doors and windows, sealing any cracks in siding, and using caulk to fill in gaps around piping entering the house can all help prevent unnecessary winter weather damage.
Homeowners insurance is essential in providing financial protection during winter weather-related disasters. It can provide coverage for damage due to burst pipes, roof collapses, and even help with temporary living costs while repairs are taking place. Make sure that you know the details of your homeowner’s policy so you are aware of what it will cover in case something happens to your home during the winter months!
A Homeowners insurance policy protects you from unexpected damage but homeowners should still take the necessary steps to prevent any damages from occurring during the cold winter months. By properly insulating pipes, keeping the thermostat regulated, and having snow buildup on your roof removed, homeowners can stay safe all winter long while also protecting their home. With homeowners insurance in place, homeowners will rest assured that they are protected against winter weather damage. Protect yourself and have peace of mind this winter season by making sure your home is covered with homeowners insurance!
