Homeowners Insurance: Here's Why It's Important for Winter Storm Damage

National Public Radio reported that about 262,000 people were left without power in parts of Austin and San Antonio last week with temperatures dropping as low as 29 degrees. During these cold months, it's important for your home and property to be protected. Winter storms can cause major damage to home structures. Fallen trees can do harm to your home, fence, garage, or even your shed. According to Bankrate, 93% of homeowners have active homeowners insurance policies in place. Holding such a policy is an important part of responsible home ownership. It can cover damages from harsh weather conditions like wind or hail. Continue reading to learn more about why you should have this type of insurance, especially with these temperature drops.


A Homeowner's Policy Provides the Protection You Need

Without a proper policy in place, you could find yourself having to pay out of pocket for any losses that occur with your home or your belongings. Depending on the type of policy you choose, you can enjoy protection from hail, water damage, fire, and other disasters or accidents. This means your policy can cover increased living expenses while you're home is being repaired due to winter storm damage. Storms bring strong winds so make sure your insurance policy includes wind damage. That way you are protected if a tree falls on your home.


What Happens if I’m Not Covered?

Without the proper home insurance coverage, you could be responsible for any damage done to your home or property. If you live in an area that receives snow or even ice during the winter season, it's vital to get the protection you need. Snow and ice can cause tree limbs to fall onto your home or power lines surrounding your home. In some cases, it can actually cause structural damage to your roof. Areas that aren't used to cold temperatures are not well insulated and ready to withstand below-freezing temperatures. Homeowners insurance can cover the costs of repair or replacement of items that are damaged from winter storms.


Common Claims and How to Prepare

During the winter, the weather has the potential to cause some serious harm to your home. Some common insurance claims to look out for are frozen pipes, snow and ice damage, house fires, wind and hail damage, and slippery driveways. Besides having the right coverage, there are a few things you can do to prepare. Keeping a consistent temperature indoors, maintaining safe walkways and driveways, running your water, and getting your chimney and heating appliances inspected are just a few ways to get ready.


With the major ice storms that have hit Austin and the surrounding areas, it's more important than ever to stay up to date on your coverage. Ice storms can not only affect the structure of your home but can also freeze or burst your pipes. If you want to ensure you're properly covered, work with a home insurance company that has a policy that meets your needs. Don't wait to purchase the proper protection. Be proactive and get in touch with us today at Rollo Insurance. We have coverage options that suit every homeowner.