Check Property for Snowstorm Damage -- Insurance Information Institute Warns

Contact: Press Offices
New York: 212-346-5500
Wash. D.C.: 202-833-1580
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NEW YORK, Feb. 18, 2003 -- As the Eastern Seaboard digs out from the Blizzard of ?03, the Insurance Information Institute (I.I.I.) reminds residents to check over their property for damage from the melting of ice and snow and to review their insurance policy for covered damages.

Standard homeowners or business insurance policies cover a wide range of winter-related disasters such as burst pipes, ice dams, wind damage and building collapse caused by the weight of ice or snow. Coverage for back-up of sewers and drains also is available. Flood damage is excluded from most standard policies.

Melting snow can inflict significant damage to property, warns the I.I.I. In March 1993, a 20-state winter storm caused $1.7 billion in insured losses, making it the ninth largest insured catastrophe in the U.S. The 2002 winter season resulted in $625 million in insured losses.

To prevent damage from the melting snow and from future storms:

• Watch for snow accumulation on the leeward (downwind) side of a higher-level roof, where blowing snow will collect. For safe removal that won't damage your roof, consult a roofing contractor for a referral.
• Snow or rain that freezes in gutters can cause an "ice dam," damaging ceilings as melting ice spreads under roof shingles. Keep gutters clean of leaves and debris to prevent this condition.
• Remove branches that become heavy with snow and icicles hanging from gutters and over walkways.
• As snow melts, water can back-up sewers and drains resulting in flooding. Local government officials should be notified if street drains are clogged.
• Keep your home warm. The temperature in the home should be at least 65 degrees to prevent the pipes from freezing.

Consumers with questions regarding insurance should contact their agent or insurance company representative. The Insurance Information Institute has also prepared a free brochure, Surviving Severe Cold Weather. Consumers can get a copy by sending a self-addressed, stamped envelope to the Insurance Information Institute, 110 William Street, New York, NY 10038.