While snow can make your property look like a charming wonderland in winter, this season can be devastating for your home and your pocket. Thankfully, there are ways you can protect your property from damages and keep your home insurance premiums from soaring. Here are some claims homeowners commonly file in winter.

What Claims Are Common During Winter?

1. Frozen Pipes

When the weather turns cold, your pipes can suffer from the drastic temperature drop. When the water freezes and expands, it can cause the tubes to burst, creating significant water damage in your home.

This issue is common in properties that have been unoccupied for some time. But, it can also happen in any home that has uninsulated pipes, tubes along external walls, or in areas heating systems can’t reach.

2. Slip & Fall Accidents

Winter provides the best condition for slippery walks and icy surfaces. It's not unusual that slip and fall injuries are high during this season, and this poses another risk to you and your family. Moreover, you may be held liable for accidents involving uninvited individuals on your property, as residents are deemed responsible for maintaining their premises. 

Make sure your home insurance covers slip and fall injuries, just in case you need to make such claims over the winter. Equally important, take preventive measures, such as using commercial-grade salt to melt the ice and regularly shoveling your driveway.

3. Ice Dams

Ice dams form when the snow on your roof melts, flows toward a blocked gutter, and freezes again. These ice dams may eventually melt, seep into your home's walls and ceilings, and cause wood rot and other property issues.

Severe water damages may even force you to replace your roof and repair cracked ceilings and walls. You can avoid filing a home insurance claim by clearing your gutters in advance and diligently removing snow from your roof to limit ice dam formations.

Get the best homeowners insurance policy for your needs from the reputable and reliable company, Kramer-Myers & Werring-Dickerson Insurance, in Batavia, OH. They follow a customer-first business model. You can look forward to developing a solid and lasting relationship with any of their experienced insurance agents when you turn to them for insurance solutions. Call them today at (513) 732-1461 to request an insurance quote, or visit their website to get in touch with them.