How to Avoid Homeowners Winter Weather-Related Claims

While winter in Georgia is milder than in many northern states, it can still bring challenges that lead to homeowners insurance claims. Understanding these common problems and taking preventive measures can safeguard your home and save you from expensive repairs.

Top Winter-related Homeowners Insurance Claims in Georgia

The following are the top winter-related homeowners insurance claims and how to avoid them:

• Frozen pipes—One of the most frequent winter-related claims is due to frozen pipes. To prevent this, insulate pipes in unheated areas, keep your home warm and let faucets drip during extreme cold spells to keep water moving.

• Roof damage—Heavy snow and ice accumulation can damage roofs, leading to leaks or even collapse. Remove snow from your roof with a roof rake, and make sure your attic is adequately ventilated to avoid ice dams. Additionally, inspect your roof for any damage before winter sets in.

• Ice dams—Ice dams form when heat escapes from the attic, melting snow on the roof. The water then refreezes at the edge, forming a dam that can cause water to back up under the shingles and into the home. Adequate insulation and ventilation in the attic can help prevent this problem.

• Slips and falls—Icy walkways and driveways can lead to slips and falls, resulting in liability claims. Keep these areas clear of ice and snow by shoveling regularly and using ice melt or sand to improve traction.

• Heating system issues—Cold weather puts extra strain on heating systems, which can lead to breakdowns. Consistent upkeep of your heating system, such as yearly inspections and cleanings, can help ensure it runs efficiently throughout the winter.

Learn More

Contact Kris D Rogers & Associates to discuss additional risk mitigation techniques.

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.