During the winter, your home should be a haven from the cold weather outside. But it’s important to remember that this season can be tough on any shelter—and in some cases—cause costly damage. To help you keep your property in tip-top shape until spring arrives, here are five common reasons that people make home insurance claims in the winter—and what you can do to prevent them.

5 Reasons for Home Insurance Claims & How to Avoid Them

1. Frozen Pipes

When temperatures drop below 32 degrees, any water in pipes and other plumbing fixtures can freeze. When water freezes and expands, pipes can burst. To avoid water damage, insulate exposed indoor pipes, shut off outdoor faucets, and drain any outdoor lines.  

2. Ice Dams

Ice dams occur when snow melts on warm areas of the roof, only to refreeze at the cold edges. The ice dam traps melted snow water, which can burden the roof with excess moisture. To avoid roof leaks and water damage along the exterior walls, insulate your attic. You should also consult a roofer to ensure all the attic vents are placed strategically to direct warm air away from the surface.

3. Fires

House fires are common in winter. To reduce the risk, maintain the heating equipment and thoroughly clean the fireplace. When cooking holiday meals, keep an eye on the stove and oven to minimize the risk of a kitchen fire. To prevent Christmas tree fires, always make sure the plant is well-watered, not placed near flammable items, and all decorative lights are intact.  

4. Slip and Fall Injuries

A frozen walkway can be an instant slip-and-fall hazard for those visiting your home. If they are injured, you may be liable for any resulting medical damages—a risk that a standard homeowners insurance policy should cover.

You can keep your walkways safe by clearing away snow and applying salt to melt the ice. If ice remains, a layer of sand can help provide traction. For steps, consider installing rubberized mats to improve tread.

5. Wind Damage

When tree limbs snap due to high winter winds, they can crash into your roof or other areas of the home, causing extensive damage. To shield your home from these dangers, trim all weak and overhanging branches. It’s also smart to secure all loose items in the yard—such as lawn furniture.

To make sure you're covered against all winter worries, turn to the insurance specialists at Somers Agency. Serving the Lorain, OH, region, this experienced team will review your home insurance policy to make sure you’re protected for all seasonal events—such as storm damage, freezing, fires, and injuries. Visit this insurance company online for details on how they can optimize your coverage for an affordable rate. To review your policy or request a home insurance quote, call a friendly agent at (440) 324-3447.