Property Tips to Avoid Costly Winter Insurance Claims.

Clean gutters and downspouts to avoid ice dams and water damage. Check your roof for any signs of damage or leaks and repair them promptly.

While wind and hail damage contributes to 34% of wintertime homeowner losses, water, and ice-related damage can be even more costly. That’s why late fall is the perfect time to start preparing your property for the cold, not only to avoid expensive repairs but also to prevent insurance claims.

Winter can be especially harsh for properties, with extreme temperatures putting them to the test. In fact, winter weather caused $1 billion in insured losses in 2016, according to Munich Re and Consumer Reports. That figure skyrocketed to $15 billion in 2021, highlighting the devastating impact of events like Texas’ power grid failure and subsequent freezing catastrophe.

Taking early action is crucial to safeguard against unexpected wintertime homeowner expenses and headaches. By identifying potential problems early on and properly preparing your home and property, you can significantly reduce the chances of filing an insurance claim in the future.

So, don’t wait until it’s too late. Follow these 12 property tips to protect your home and avoid pricey winter insurance claims:

  1. Insulate pipes and faucets to prevent freezing and bursting.
  2. Clean gutters and downspouts to avoid ice dams and water damage.
  3. Seal gaps and cracks in doors and windows to keep the cold air out.
  4. Trim tree branches that could potentially fall and cause damage during winter storms.
  5. Check your roof for any signs of damage or leaks and repair them promptly.
  6. Drain and winterize outdoor faucets and irrigation systems.
  7. Test your heating system and ensure it’s in proper working condition.
  8. Install weatherstripping and insulation to improve energy efficiency.
  9. Keep your home adequately heated and maintain a consistent temperature to prevent freezing.
  10. Have a professional inspect and clean your chimney to prevent fire hazards.
  11. Store outdoor furniture and equipment properly to protect them from the elements.
  12. Create an emergency kit with essential supplies in case of power outages or other emergencies.

By following these tips, you’ll be well-prepared to tackle the challenges of winter and minimize the risk of costly insurance claims. Remember, early preparation is key to a stress-free and worry-free winter season.

With GlobalPro, your insurance coverage expert, you’re not alone in this journey. We’re here before, during, and after any loss or damage, providing the pedigree and experience you need.

If your home, your community association, or your business has experienced loss or damage, CALL US FIRST!

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