Winter is a magical time of year for many, but it also brings unique challenges for homeowners and drivers. Freezing temperatures, heavy snowfall and icy conditions can cause serious damage to homes and vehicles, leaving many wondering: "Does my insurance cover this?"
Understanding what your policy includes—and what it doesn't—can save you headaches when the snow starts to pile up. Let's break it down.
Your home is your biggest investment, and winter weather can wreak havoc on it in many ways. Here's how standard home insurance policies typically respond to common winter perils.
When temperatures plummet, pipes can freeze and burst, causing significant water damage. Most standard homeowner policies cover damage caused by burst pipes, but there’s a catch. The coverage often depends on whether you’ve taken reasonable steps to prevent the freezing. For example, your claim might be denied if you leave your home unheated while on vacation and pipes freeze. Keep your thermostat set to at least 55°F and insulate exposed pipes to avoid this.
A roof burdened with heavy snow can collapse, causing extensive damage. The good news? Most home insurance policies cover this type of peril. However, neglecting routine maintenance, like not repairing a weakened roof, can lead to denied claims. Always check your roof before winter and clear excessive snow buildup if it’s safe to do so.
Power outages during winter storms can lead to spoiled food, frozen pipes or even damage to electronics from power surges. Some policies cover food spoilage caused by outages, but coverage limits are usually low—around $500. Damage to electronics may be covered if the power surge results from a covered peril, but not all policies include this. Investing in a surge protector can help prevent costly losses.
If someone slips on ice on your driveway or sidewalk, you could be liable for their injuries. The liability portion of your home insurance generally covers medical expenses and legal costs in such cases. However, your insurer might deny the claim if you’ve ignored your responsibility to clear ice and snow. Regularly salting and shoveling your property is not only smart - it can be a money-saver.
Issues like ice dams or slow leaks from melting snow might not be covered if deemed a result of poor maintenance.
Melting snow that causes basement flooding is generally excluded unless you have a separate flood insurance policy.
Insurance won’t pay for damage caused by an aging roof or neglected repairs.
Winter roads are treacherous, with ice, snow and freezing rain increasing the risk of accidents. Here’s what your auto insurance might cover.
Skidding on ice and hitting another car or object is one of the most common winter driving mishaps. If you have collision coverage, your insurer will cover the repairs to your vehicle after you pay the deductible. However, liability-only policies won’t cover damage to your car.
Winter storms often bring down tree branches, which can damage your vehicle. Comprehensive coverage typically pays for this type of damage, including broken windshields. You’ll be responsible for the repair costs if you don't carry comprehensive coverage.
Cracks caused by scraping ice off your windshield or sudden temperature changes might be covered under comprehensive insurance. However, the claim could be denied if the crack results from poor maintenance or pre-existing damage.
Insurance won’t pay to dig your car out of a snowbank.
Damage from neglect, such as an engine freezing due to lack of antifreeze, is not covered.
Towing after a winter breakdown or accident is usually covered only if you have roadside assistance or towing coverage.
While insurance can help with winter mishaps, preventive measures are always the best strategy.
Deciding when to file a claim depends on the extent of the damage and your deductible. For minor incidents, like a cracked windshield, you might be better off paying out of pocket if the repair cost is close to your deductible. However, for major damage—like a collapsed roof or a totaled car—filing a claim is the best option.
Keep in mind that filing multiple claims in a short period can lead to higher premiums. Always weigh the cost of repairs against the long-term impact on your insurance rates.
Before winter arrives, review your home and auto insurance policies. Make sure you have adequate coverage for the most common winter perils. If you live in an area prone to heavy snow or ice, consider adding optional coverages like flood insurance or roadside assistance.
Winter weather is unpredictable, but with the right preparation and insurance coverage, you can handle it with confidence. Stay safe, stay warm, and remember: prevention is always cheaper than repair.