Check Property For Snowstorm Damageinsurance Information Institute Advises

Contact: Press Offices
New York: 212-346-5500
Wash. D.C.: 202-833-1580

NEW YORK, January 23, 2005 -- As the Northeast and Midwest dig out from the Blizzard of ?05, the Insurance Information Institute (I.I.I.) reminds residents to check over their property for damage from the melting ice and snow and 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, says 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:

• 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. Tips on Surviving Severe Cold are available by accessing I.I.I.'s Web site at: /individuals/homei/tips/coldweather/ and from the Institute for Business & Home Safety at http://www.ibhs.org/newsroom/view.asp?id=377.