RICHMOND, Virginia (WWBT) – If a winter disaster struck, would you know what to do? From burst pipes to fallen tree branches, there is a lot going on that you can pay attention to and even prepare for during the winter months.
Ben Moore, an insurance expert at Nerdwallet, helped us compile a list of the top causes of homeowner insurance claims at this time of year.
Number one: burst water pipes.
Moore says a homeowner’s insurance policy will cover accidental water damage caused by a burst water line, but it’s critical to understand that there are certain steps you need to take to get this claim approved.
“They should keep the temperature in their home at a minimum of 55 degrees during the coldest days of the year and also if the pipe bursts a homeowner should take steps to ensure that no further damage occurs. due to the bursting of the pipe, ”said Moore.
You will need to prove that you have turned off your water tap.
Ice dams forming on roofs are another cause of damage and a claim. Most insurance policies will cover this, but making sure your attic is sufficiently insulated is essential.
Another cause of disaster? Fallen tree branches.
“Your home coverage will cover damage to your home. But let’s say a branch falls on your fence or shed – your other structures policy will cover damage to those structures. Moore also says that regularly cutting down trees so that they don’t spill over the house or other structures on the property also helps.
House fires are the other major cause of winter disasters. Homeowners’ insurance policies will usually cover this as long as the fire was unintentional.
Additionally, loss-of-use coverage can help pay for hotel bills and additional living expenses if the home is uninhabitable due to smoke or reconstruction.
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