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As any homeowners insurance company will attest, the spring season poses several threats to your home. From water damage to uneven ground, the rising temperatures can affect the structure of your property, leaving your belongings and guests at risk of injury. To protect yourself from claims, here are a few precautions to take to head off problems before they occur.

Common Springtime Household Hazards

1. Overhanging Branches

When buffeted by strong winds or spring showers, branches that overhang your home can dent your siding, tear off shingles, or damage roof flashings. To prevent property damage and even minimize leaf fallout in your gutters, trim branches well back from your roof at the beginning of the wet season.

2. Driveway Potholes

As concrete thaws with the rising temperatures, it can start to crack and crumble, leading to potholes in your driveway that could damage your car's tires or suspension. To avoid an expensive auto or homeowners insurance claim, fill any potholes and repair cracks in the pavement of your home.

3. Frost Heave

Over the winter, the earth contracts and expands as temperatures fluctuate. This often results in "frost heave," in which slabs of concrete in your sidewalk, walkways, and other level areas rise out of the ground slightly and create uneven surfaces, which could cause tripping. To avoid potential liability claims from guests and neighbors against your homeowners insurance, have any jutting slabs in your property replaced or resettled.

4. Ice Dam Damage

homeowners insurance in Marion, WIIce dams occur when melted snow trickles to the eaves on a poorly-insulated roof, then freezes again. This constant freezing cycle forms progressively longer ice dams, collecting water on your roof and allowing it under your shingles. When the ice melts in the spring, you can find yourself with leaks, rotten wood, and other roofing problems. If your home collected icicles or ice dams in the winter, consider getting a roof inspection to ensure no damage has been caused to its structure.


To protect yourself financially from spring hazards, consider getting homeowners insurance. Trust Pella Mutual Insurance Company in Shawano County, WI, a small insurance company in business since 1876. With flexibility in underwriting capabilities and how they rate risks and properties, they can cover your property to give you peace of mind. Visit their website to see what they offer, or call (715) 754-5039 to request a free insurance quote.

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