Top Insurance Claims in Winter and How to Avoid Them
Winter brings with it picturesque snowy landscapes, cozy nights by the fire, and unfortunately, a surge in insurance claims. Understanding the most common winter-related claims can help you prepare and prevent potential hazards. Here are the top insurance claims during winter and practical tips on how to avoid them.
1. Frozen and Burst Pipes
Why It Happens: When temperatures drop, water inside pipes can freeze, expand, and cause pipes to burst, leading to significant water damage.
How to Avoid It:
- Insulate pipes, especially in unheated areas like basements, attics, and garages.
- Keep a consistent indoor temperature, even when you’re away.
- Let faucets drip slightly to prevent water from freezing.
2. Roof Damage from Ice Dams
Why It Happens: Ice dams form when snow melts and refreezes at the roof’s edge, causing water to seep under shingles and into your home.
How to Avoid It:
- Ensure proper attic insulation and ventilation.
- Clear snow from your roof.
- Consider installing heated cables to prevent ice formation.
3. Slip and Fall Accidents
Why It Happens: Icy walkways, driveways, and steps become hazardous, increasing the risk of injuries.
How to Avoid It:
- Apply salt or sand to driveways and sidewalks regularly.
- Shovel snow promptly after storms.
- Install handrails and ensure adequate outdoor lighting.
4. Car Accidents Due to Icy Roads
Why It Happens: Snow, ice, and reduced visibility make driving conditions treacherous.
How to Avoid It:
- Equip your car with winter tires.
- Drive slowly and maintain a safe distance from other vehicles.
- Keep an emergency kit in your car.
5. Fire Hazards from Heating Equipment
Why It Happens: The increased use of space heaters, fireplaces, and wood stoves during winter raises the risk of house fires.
How to Avoid It:
- Keep flammable materials away from heat sources.
- Have your chimney inspected and cleaned annually.
- Never leave space heaters unattended.
6. Power Outages and Related Damages
Why It Happens: Heavy snow and ice can bring down power lines, leading to outages that affect heating systems.
How to Avoid It:
- Invest in a backup generator.
- Keep emergency supplies, including blankets and non-perishable food.
- Use surge protectors to protect electronic devices.
Stay Prepared, Stay Protected
While winter weather is unpredictable, taking proactive steps can significantly reduce the risk of damage to your home, car, and personal safety. At Stanton Insurance Group, we’re here to help you prepare for the unexpected. Contact us today to review your insurance coverage and ensure you’re fully protected this winter season.
