McCurdy Group - Insurance and Financial Consultants

Monday, February 18, 2019

Common Cold Weather Insurance Claims: Part Four


Ice on roads 
-->Winter storms can do an equal amount of damage to your car. Icy roads can cause you to lose brakes, hydroplane, and slide into another object or car. In winter storms, you lose nearly all control of your vehicle.
  • Don’t drive during winter storms or during times of expected inclement weather. Never drive during a declared state of emergency.
  • Always have food and water in your car in case you get trapped inside.
  • Keep an emergency car kit and first aid kit in your vehicle.
  • Have your insurance carrier or AAA’s number in the car in case you need to be towed.
P.S. Be sure to remove all ice from the top and windshield of your car. If any snow and ice chunks fly off and cause an accident, you will be found at fault (which is where your auto liability insurance would come in).

Fire

Fires are also more common in the winter months due to the dry air and increase of fireplace use. The national average for fire and smoke damage is $9,815 but can be up to $30,000. Avoid costly fire claims with just a few precautions:
  • Check that all fireplaces, stoves, and heaters are working properly.
  • Keep no combustible items near heat sources.
  • Get your chimney cleaned.
  • Close the fireplace flue when not in use.
  • Learn more about home fire safety here.
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Wednesday, February 13, 2019

Common Cold Weather Insurance Claims: Part Three

Snow and ice damage
Snow and ice looks pretty, but it can be so heavy that it can severely damage your house. The average claim for snow and ice damage to the home is around $4,700. Snow heavier than 1-2 feet or 4 inches of ice can crush your roof or cause falling tree branches. Water can freeze in and clog your gutters, creating “ice dams” that prevent proper runoff. This can cause a water buildup that can seep into your roof and ceiling.
  • Prevent ice dams. Seal any gaps that allow warm air to leak into the attic. Keep your attic ventilated. Insulate your home’s heating system so it doesn’t escape through the ceiling.
  • Get a roof rake to help get rid of heavy snow after major storms.
  • Inspect your roof before the season for any weak areas that need repair.
  • Trim all trees near the house, and get rid of weak or dead branches.

Slips and falls

Moreover, snow and ice can cause liability concerns on your property. An icy walkway or driveway could cause slips and falls, for which you will be liable. Even if the person injured on your property wasn’t invited, they could still sue you if they were injured after an icy slip on your property. This same liability applies if they are hit by a falling icicle, dead tree branch, and other winter concerns.
  • Always shovel your driveway and walkway after a storm.
  • Apply commercial-grade salt to help melt the ice faster. 
  • Ensure you are fully covered with homeowners’ liability insurance.