How Snow and Ice Can Lead to Home Insurance Claims

Winter weather may not be the first thing that comes to mind for Texas homeowners, but recent years have shown that snow and ice can have a real impact on our homes. At Cornerstone Independent Insurance Agency LLC, we believe it’s important for our clients to understand how these conditions can lead to home owners insurance claims and how our team can help you stay financially protected.

Understanding the Risks of Snow and Ice

While Texas winters are usually mild, sudden cold snaps can bring unexpected snow and ice. Many homes in our state aren’t built with harsh winter weather in mind, which can increase the risk of damage. Even a brief freeze can cause significant problems, especially if you’re not prepared.

Common Types of Home Insurance Claims From Winter Weather

Snow and ice can lead to several types of home insurance claims, including:

• Burst pipes—When temperatures drop, water in pipes can freeze and expand, causing pipes to burst and resulting in water damage.
• Roof damage—Heavy snow or ice accumulation can strain roofs, leading to leaks or even collapse in extreme cases.
• Ice dams—Ice buildup along the edges of your roof can prevent melting snow from draining, causing water to seep into your home.
• Slip and fall accidents—Ice on walkways and driveways increases the risk of injuries, which may result in liability claims.
• Fallen trees or branches—Ice can weigh down trees, causing branches to break and damage your home or property.

Protect Your Home This Winter

Don’t let unexpected winter weather catch you off guard. Reach out to the team at Cornerstone Independent Insurance Agency LLC to review your homeowners insurance and make sure you’re prepared for whatever the season brings. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.