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Winter typically doesn’t bring the strong thunderstorms associated with summer, but it does pose other threats to your house. Luckily, you can take steps to lower your risk of home damage this season. Having a comprehensive homeowners insurance policy is the most important protection to possess, but you can further safeguard yourself and your property by knowing about the most common winter claims and how to avoid them.

Top 3 Cold-Weather Homeowners Insurance Claims

1. Frozen Pipes

Frozen plumbing leads to expensive repairs and water damage. Once pipes become frozen, water expands and forces them to burst, causing further trouble. To avoid this, disconnect any exterior water hoses like sprinklers, let water slowly drip from faucets at all times, and insulate pipes in colder areas like basements. The goal is to keep water flowing so it doesn’t freeze, make sure the pipes remain warm, or eliminate water completely from your plumbing. 

2. Personal Injury

homeowners insuranceSnow and ice produce precarious conditions in and around your home. Walkways can become slippery, and the slush on the bottom of your shoes can create slippery floors, both of which can lead to an accident. If someone falls, you might face a personal liability issue. Luckily, your homeowners insurance should cover it. But to prevent falls and slips on your property, you should clear high-traffic areas of snow, install plenty of lighting, and point gutters away from walkways to limit ice formation.

3. Hail Damage

Hail damage is one of the most frequently filed homeowners insurance claims during winter. Storms can cause widespread damage to your home, particularly the roof. If your area experiences hail, check your roof shortly after it’s over for missing or damaged shingles. This way, you can file an insurance claim ahead of the deadline. To minimize the chances of damage, install asphalt shingles that are hail-resistant. 

 

If you need to make a homeowners insurance claim, give Allstate Insurance Companies a call at (336) 884-5636. For over 20 years, agent Dewey Beckner has provided families peace of mind through comprehensive policies. Filing a claim is simple, and he’ll work to approve it as quickly as possible. His company also provides valuable protection in the form of life, auto, motorcycle, and renters insurance. Visit them online to read their glowing reviews and request a free insurance quote.

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