Caleb Meriwether, Haven Insurance Partners, visits with Dan Reaves, host of ‘The Dan Reaves Show,’ today, and each Wednesday at 3:30 p.m., to discuss all things insurance.
As temperatures drop, risks rise — and for both homeowners and business owners, winter can bring unexpected insurance headaches. The best protection is preparation. Below, we break down five common winter insurance issues and what you can do now to avoid a costly claim later.
1. Frozen Pipes and Water Damage
Why it’s a problem:
Frozen pipes are one of the most common winter claims. When water freezes, it expands — and if it bursts your plumbing, the resulting water damage can cost tens of thousands in repairs.
What to do in advance:
Insulate pipes in unheated areas (attics, crawl spaces, garages).
Keep indoor temperatures above 55°F, even when away.
Install leak detectors and smart water shut-off systems.
Know your policy: Most homeowners and commercial property policies cover sudden and accidental water damage, but not long-term leaks or neglect.
2. Ice Dams on Roofs
Why it’s a problem:
When heat escapes through the roof, it melts snow that refreezes at the eaves — creating an “ice dam” that traps water. That trapped water often backs up under shingles and leaks into your home or building.
What to do in advance:
Ensure your attic is well-insulated and ventilated.
Clear gutters of leaves and debris before the first snowfall.
Use roof rakes to remove snow buildup after heavy storms.
Review coverage: Not all policies cover damage from ice dams, especially if it’s considered preventable through maintenance.
3. Slip and Fall Liability
Why it’s a problem:
Whether it’s a customer on your commercial sidewalk or a delivery driver on your front steps, icy surfaces can lead to injuries and lawsuits.
What to do in advance:
Regularly salt and shovel all walking areas.
Keep a log of snow/ice removal efforts — useful if a claim arises.
Consider adding med pay or increasing liability limits on your homeowners or general liability policy.
4. Vehicle Damage from Ice and Snow
Why it’s a problem:
Snow-laden tree limbs, icy roads, and poor visibility contribute to winter auto accidents and vehicle damage.
What to do in advance:
Park away from trees when storms are expected.
Keep vehicles maintained (tires, fluids, battery).
Confirm you have comprehensive and collision coverage, not just liability.
Business owners: Make sure commercial auto policies cover hired/non-owned vehicles if your employees drive in winter.
5. Heating-Related Fires and Carbon Monoxide
Why it’s a problem:
Fireplaces, space heaters, and old furnaces all work overtime in winter — increasing fire and carbon monoxide risks.
What to do in advance:
Have furnaces, chimneys, and wood stoves inspected before use.
Install carbon monoxide detectors on every floor.
Don’t overload outlets with electric heaters.
Check your policy’s fire protection limits and contents coverage to ensure adequate replacement value.
Final Thoughts: Winter-Proof Your Coverage
Before the next cold snap hits, schedule a coverage review with your insurance agent. The cost of prevention — a little time and maintenance — is nothing compared to the hassle of a winter claim.
If you’re unsure whether your current policies cover these common risks, or want to explore better protection options, reach out to our team at Haven Insurance Partners. We’re here to help you weather every season — winter included.
