Make sure when there's snow, Ice & sleet you're home is covered.
As we write this post our office is closed officially today for a Snow Day! Who doesn't love a Snow Day every once in a while? A temporary break from the work week, a time to stay home in the warmth and even an opportunity to capture a few fun moments with loved one's by playing in the snow! Among all of the fun activities a Snow Day can provide, home owners should be wary of these critical items which could occur during cold temperatures such as Snow, Sleet and Ice that a homeowners policy may not cover.
1. a CAVED IN ROOF:
2. Ice Damming:
3. Roof Leaks due to Incorrect Installation
4. Frozen Pipes Burst:
Did you know in order for a homeowner to have insurance protection from freezing plumbing, heating, air conditioning, automatic fire protection, or of a household appliance the named insured should t take precautions to maintain heat in the building or shut the system off and drain the appliance. If these precautions are not taken and a homeowners insurance policy experienced a claim due to frozen pipes, insurance coverage may be excluded.
5. Damage from frozen tree branches
Trees, shrubs, plants and lawn damages are often not covered by hail, weight of ice/snow and wind. Open perils coverage will cover any unnamed perils. Homeowner Insurance policy holders should know that the structure damage could however be covered if a situation involving a tree or a branch falls on the house and/or garage.
6. Winter sTORM power Failure:
All homeowners should be aware of these listed house threats that a winter storm could pose. For further questions, homeowners insurance exclusions and even home owner insurance quotes feel free to contact Snotherly Insurance directly by clicking this link or emailing us directly at email@example.com.
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