Winter home protection: insurance tips for cold weather damage

As winter weather settles in, your home faces unique risks, from frozen pipes to heavy snow on rooftops. At East Street Insurance, we’re committed to helping you safeguard your home from the hazards of the season.

Common Winter Home Risks

• Frozen pipes: When temperatures drop, water in your pipes can freeze and expand, causing pipes to crack or burst. This can quickly lead to costly water damage inside your home.
• Roof damage from ice and snow: Heavy snow or ice accumulation can compromise roof integrity, leading to leaks or collapse.
• Fire hazards: Space heaters and fireplaces provide warmth, but they can also increase the risk of household fires if not properly maintained and monitored.
• Slippery walkways: Ice and snow on walkways create fall hazards for family members and guests alike. 

How home insurance protects you

A comprehensive homeowners insurance policy from East Street Insurance will help protect your biggest investment—even during the harshest conditions. Here’s how:

Coverage for winter mishaps

• Burst pipes & water damage: Most standard policies cover sudden and accidental water damage from burst pipes. However, it’s important to maintain your home’s heat and plumbing to avoid coverage gaps.
• Roof damage: Structural damage from the weight of ice or snow is typically covered. Just make sure to address any maintenance issues promptly.
• Fire protection: Damage from fires is covered. Practicing safety with heating devices helps keep claims to a minimum and your home safe.
• Liability protection: If someone slips and falls on your property, your policy can help cover medical expenses and legal costs.
  

Winter home maintenance tips

Insurance offers protection, but prevention is key. Here are a few practical steps for peace of mind all winter long:

• Keep your home warm: Maintain an interior temperature of at least 55°F to reduce the risk of frozen pipes.
• Insulate pipes: Wrap exposed pipes, especially in unheated areas like basements or garages.
• Clean gutters and downspouts: Blocked gutters can cause ice dams, leading to roof leaks.
• Trim nearby tree branches: Snow-covered limbs can fall and cause damage to your roof or siding.
• Clear walkways: Use de-icer and ensure walkways are shoveled for safe access.
• Inspect heating sources: Clean chimneys and inspect and service furnaces or space heaters before heavy use.
  

Why choose East Street Insurance?

At East Street Insurance, we make insurance easy to understand, with clear policies, competitive rates and unparalleled service. Looking to save? Consider bundling your home and auto policies for additional savings.

Need to file a claim or review your coverage? Our team is just a call or click away.

For more tips and resources, visit East Street Insurance today or connect with us on social media!

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