NEW YORK, Dec. 16, 2021 /PRNewswire/ -- With winter arriving on Tuesday, Dec. 21, now is the time for most Americans to prepare for snow, ice and frigid temperatures, according to the Insurance Information Institute (Triple-I).
In the first half of 2021, winter weather caused $15.1 billion in insured losses, due primarily to a Feb.12-22 freeze that impacted Texas and a number of other states.
To protect residences and vehicles during the winter months, the Triple-I offers the following guidance.
Inside Your Home
Outside Your Home
The weight of snow and ice can damage a roof. Clogged gutters might allow water to seep into a house. Taking these steps should prevent potential hazards from occurring outside a home as snow and ice accumulate:
Insurance Coverage for Winter Losses
Standard homeowners insurance provides coverage for damage to property caused by wind, snow, severe cold and freezing rain. Property damage caused by flooding is not covered by either standard homeowners' or renters insurance policies.
Melting snow that seeps into a home, apartment or condominium from the ground up would be covered by flood insurance. It is provided by FEMA's National Flood Insurance Program and several private insurers.
An individual involved in an auto accident between two or more vehicles caused by snowy and slippery road conditions, or who crashes into an object like a light pole, is covered by a standard auto insurance policy. If a tree falls on a car and causes damage, or if it sustains flood damage, that is covered under the comprehensive portion of an auto policy. Nearly 80 percent of U.S. drivers carry this optional coverage.
Filing a Claim
To file an insurance claim for winter weather damage to a home or auto, an individual should contact their insurance professional. They will want to know the extent of the damage and ask the individual to document the loss with lists, receipts, and photographs. Having a home inventory is a good way to prepare for potential losses.
Triple-I Video: Minimizing Winter Weather Risks