Silverman-associates: 4 Crucial Strategies to Prevent Cold-Weather Claims

United States, 7th Feb 2024, King NewsWireAs winter grips many parts of the United States with cold temperatures, snowstorms, and heavy rainfall, it’s essential to take proactive steps to protect your property and prevent weather-related insurance claims. According to the Insurance Information Institute, almost one in 50 homes experiences water damage or damage caused by freezing every year, with repair costs averaging around $12,514. This makes it crucial to safeguard your home and vehicle against potential damage. Here are four valuable tips to help you stay safe and minimize the risk of costly insurance claims this winter.

1. Choose Main Roads Over Side Roads

When venturing out during winter weather, it’s advisable to stick to main roads and highways whenever possible. Side roads may retain ice and snow for longer durations due to the shade provided by nearby structures and trees. Additionally, snow plows tend to prioritize clearing heavily used routes such as highways and city streets. If you encounter standing water on the road, exercise caution, and if it’s safe to do so, find an alternative route. Driving through flooded areas can not only lead to significant vehicle damage but also pose serious safety hazards.

2. Prepare Your Vehicle with Emergency Supplies

Many auto insurance policies offer 24/7 roadside assistance, which can be a lifesaver during inclement weather. However, while awaiting assistance, it’s essential to have emergency supplies in your vehicle to keep you safe and comfortable. Storing these items in your trunk can prove invaluable:

  • Blankets
  • Flashlight
  • Ice scraper
  • Foldable snow shovel
  • Snacks and bottled water
  • Battery-powered phone charger
  • Cat litter or sand for added traction on icy roads

These supplies can help you stay warm, nourished, and potentially free your vehicle if it becomes stuck in snow or ice.

3. Monitor for Cracks in Your Property

Inspect your driveway, walkways, and sidewalks for small cracks, especially after heavy precipitation. Rainwater or melting snow can seep into these cracks, and when it freezes, it expands, potentially causing the cracks to widen. In regions with sub-freezing temperatures, this issue can become more severe. Regularly shovel and salt your walkways to make it easier to identify and address these concerns before they escalate into more significant and costly problems.

4. Responsible Snow Removal

Homeowners are typically responsible for keeping their sidewalks and walkways clear of snow and ice. Local regulations may vary, but some regions require that sidewalks be shoveled within a specified timeframe after the snow stops falling. Neglecting to clear your property of snow and ice can lead to lawsuits in case someone slips and sustains an injury. To avoid such legal and financial consequences, familiarize yourself with your city’s rules regarding snow removal and diligently adhere to them.

By following these four strategies and staying prepared throughout the winter, you can protect your property, minimize potential risks, and reduce the likelihood of costly insurance claims. Don’t forget to review and update your homeowners and auto insurance policies to ensure you have adequate coverage in case of unexpected winter-related incidents.

Being prepared and responsible can help you get through the winter blues. It can also help you avoid costly mistakes, headaches, and potential injury. As you work to keep your vehicle and home weather-proof this winter, don’t forget to double-check your homeowners’ insurance policy and auto policy and make any updates or adjustments you need to stay well-covered.


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Organization: Silverman + Associates

Contact Person: Mark Silverman, Tucson Financial Planner


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Country: United States

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