McCurdy Group - Insurance and Financial Consultants

Tuesday, January 22, 2019

Common Cold Weather Insurance Claims: Part One


Preparing for winter incidents and cold weather claims begins with prevention methods and thorough insurance protection. Let’s take a look at the most common causes of claims in winter weather and what you can do to protect yourself from these costly concerns.
Hidden behind that gorgeous blanket of snow are harsh winter storms waiting to do serious damage to your home. The winter season creates the most common and costly claims for home and car owners. In fact, III estimated that winter storms caused $1 billion in insured losses in 2016.
They also found that the overall percentage of winter-related claims has increased at a higher rate than previous decades, likely due to the severity of storms and increase in the number of people with insurance protection. Nearly 51% of all insurance homeowners’ claims come from wintery wind, hail, and weather-related water damage. Moreover, more collisions and “acts of God” occur while out on the road during or after a winter storm.
Preparing for winter incidents and cold weather claims begins with prevention methods and thorough insurance protection. Let’s take a look at the most common causes of claims in winter weather and what you can do to protect yourself from these costly concerns.

Wind damage

The most common homeowners claim filed is due to wind damage. Nearly one in 35 insured homes have a property damage claim related to wind or hail each year, according to The Insurance Information Institute. Wind is more intense during the winter months and thus creates a majority of these costly claims.
Prepare for wind damage:
  • Remove and store all unsecured outdoor items like umbrellas, furniture, and play items.
  • Inspect your home for loose gutters, shutters, and shingles.
  • Trim dead or weak tree branches around the house. Tree collapse is the third most costly winter weather claim, averaging nearly $6,000 per tree.
  • Be aware of nearby power lines. Trim trees around power lines. Ensure power lines near your property are secure. If not, call the phone or cable company for further fastening.
Wind damage is not always covered by your homeowners’ insurance. In fact, wind and flood are often exclusions on many homeowners’ policies. In this way, you’ll want to talk to your insurance agent before the winter season hits in order to ensure you are fully protected from any costs associated with wind damage. 
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