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.
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