3 Common Winter Weather Homeowners Claims

winter weather insurance claims

If you live in the Midwest, winters can be harsh and last many months. The extreme weather can do a number on your home even if you do your due diligence to prevent the damage. Even worse, not all insurance policies cover all types of home damage. Below are three common homeowners claims made in the winter. If your home has any of these types of damage and you aren’t sure if you are covered, contact Guardian Public Adjusters today for a professional claim review.

 

1. Roof Damage Claims

Sure, the snow can be a pretty landscape for your yard, but when it piles up over the winter, just think about how much weight it is adding to your roof. Even the newest of roofs can only bear so much weight and layers and layers of compacted snow can get to be too much. Roof damage claims are numerous during the winter due to snow damage, but it’s important to know what types of roof damage are covered in your policy and also how much time you have to report it.

2. Ice Dam Claims

When water freezes at the bottom of your roof, it can’t drain properly through your gutters, creating an ice dam. This often happens when the top of your roof is warmer than the bottom, causing snow from the top of your roof to melt, but then refreezing once it gets to the gutter. While most policies don’t cover ice dam removal, ice dam claims are very common because of the extensive damage they cause to homes. It’s important to submit your claim right away, though, since your insurance company can potentially deny your claim if you don’t properly maintain your roof by not having it fixed.

3. Burst Pipes Claims

Another consequence of bitterly cold temperatures is freezing pipes. Increased pressure can lead to burst pipes, which can lead to water damage and even mold damage over time. Burst pipe claims are often covered by insurance policies, but you will have to check to see what specific types of water damage are covered in your policy.

 

Hopefully, you never have to submit a winter weather insurance claim, but if you do, make sure you know what coverage you have and the stipulations for how quickly you have to submit. Many people may not fully understand their coverage and would benefit from an advocate. If you need help with your insurance claim, contact Guardian Public Adjusters. Our team will take care of everything from filing paperwork to negotiating with your insurance company. Contact us online for your free insurance claim review today.