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.