Winter storms can wreak havoc on your home, causing thousands of dollars in damage due to various hazards, from heavy snow loads to frozen pipes. Understanding what your homeowner’s insurance covers during extreme winter weather is essential for protecting your investment.
Escalating Costs of Winter Storm Damage
The “Great Texas Freeze” brought the term “polar vortex” into the spotlight when a severe winter storm devastated Texas in February 2021. The freezing temperatures persisted for over eight days, leaving more than 10 million Texans without power. The cold caused pipes to burst, led to car accidents, and emptied grocery store shelves. This storm impacted 26 states and caused over $17.4 billion in damages.
Standard Coverage Features
Most homeowners’ insurance policies cover winter storm damage, though specific circumstances can affect coverage. Here’s what’s generally included under a standard policy:
- Wind Damage: Damage to roofs, siding, and other structures caused by high winds or falling trees and branches due to wind or ice weight.
- Snow and Ice Damage: Coverage typically extends to roof collapse or damage from the weight of snow, ice, or sleet, including damage to gutters and downspouts.
- Interior Water Damage: Burst pipes due to freezing temperatures usually result in coverage for water damage to walls, floors, and personal property.
- Additional Living Expenses: If your home is uninhabitable due to storm damage, your policy may cover temporary housing and living expenses while repairs are underway.
Potential Exclusions
Understanding what may not be covered by your policy is equally important. Flooding from melting snow or ice dams typically requires separate flood insurance. Additionally, damage from neglect or inadequate maintenance, such as failing to maintain heat in your home during cold weather, may be excluded.
Preventive Measures
Preventive maintenance is your best defense against winter storm damage. Consider having your roof inspected before winter, insulating pipes, and ensuring your heating system is well-maintained. These steps, along with understanding your insurance coverage with guidance from our licensed sersvice team, can help ensure you’re protected when winter storms hit.
Total Protection Insurance | 720.432.7165 | sales@totalprotectionins.com
