The Importance of Snow and Ice Removal for Home Insurance
After a snow storm blows through, you may find your home and lawn covered in snow and ice. When snow and ice sticks around, it has the potential to cause serious damage to your property, as well as personal injuries. This means making claims on your home insurance, which can impact your rates and lead to out-of-pocket expenses.
Risks associated with snow and ice buildup
Letting snow and ice build up on your roof can lead to serious consequences for your home. You can experience anything from damaged gutters to roof collapse. In many cases, ice buildup leads to structural damage due to the expansion process of freezing water.
Buildup of snow and ice around your house can also lead to personal injury due to slip and fall accidents. If someone else slips and falls on your property, this can lead to liability on your end, from medical expenses to legal consequences.
Effective snow and ice removal strategies
Removing snow and ice from your property can be tricky. If you’re not confident that you’re up to the task, hire a professional service. It’s better to be safe than sorry.
However, if you’re fit, healthy and feel good about handling it yourself, be sure to walk straight and avoid twisting to maintain your balance. Move slowly, and lift the snow with your legs, keeping your lower back straight. When removing icicles, wear protective eyewear like goggles.
Steps to take in case of snow and ice-related damage
Sometimes, despite your best efforts, snow and ice damage your home before you can get to it. If this happens, carefully document the damage, taking photos and even videos where they would provide clarity.
Review your insurance, and see if your case would be covered. File an insurance claim at the first sign that you have a claim to make. From there, follow the instructions of your homeowners insurance company to ensure that your claim will go through.
Common misconceptions about snow and ice removal and insurance coverage
Snow or ice damage may or may not be covered by your insurance. Be sure to review your policy and look at the policy limits when it comes to coverage for storm damage. Where you live will make the biggest difference in what your policy covers.
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