As winter comes to a close, and the weather begins to warm, this inevitably means one thing: melting snow. The weather during the winter is highly unpredictable (as we witnessed with Winter Storm Thor)—making it a very frustrating time of year for homeowners. This winter in particular has brought with it very fickle weather. From predicted blizzards that never occurred to light snow that turned into full out snowstorms. Even more frustrating than the ever-changing weather forecast, are the damages that snowstorms can wreck upon your home. When these types of tragedies happen, it is extremely important to be protected. For instance, many homeowners have a misconstrued view of some of the coverage they may receive through their homeowners insurance.
When you buy a home, you are required to have homeowners insurance. However, many of these policies DO NOT include damages related to melting snow. When there is snow on the ground or on your roof, and the temperatures rise, the snow begins to thaw and melt into water. This can lead to serious problems. Many homeowners’ insurance policies cover damages by wind, hail, ice, snow, or other winter issues. However, many of these companies WILL NOT cover damage from floods related to these winter conditions.
SO, LET ME EXPLAIN A LITTLE MORE SIMPLY:
It’s Friday and the snow has been coming down for the past two days. The pile up has reached close to 8 inches; your roof and lawn are completely covered in snow. Monday morning comes around; the sun is shining and the temperatures are much higher. Everything is beginning to thaw and melt extremely quickly—leading to excessive flooding. Tuesday afternoon you go into your basement to flip laundry, and OOPS, you step into 5 inches of water covering the entire floor! You immediately want to make a claim with your homeowners’ insurance to cover this expense, yet they say this type of damage is NOT part of your policy. At this moment you may feel exactly like Leslie from Parks and Recreation…
However, we don’t want you to have a nervous breakdown! We want to break it down for you. If you are a homeowner and have experienced the above scenario, call us today for a free estimate 1-877-559-7876. If you have not yet experienced this, keep it that way by using these simple and useful tips to prevent any future damages.
TIPS TO PREVENT DAMAGES:
- Insulate Attic
- Make sure your attic is properly insulated. If the temperature in your attic is above freezing and there is snow or ice on your roof, this will cause the snow to melt. Insulating your attic and keeping the temperature low in that area can help aid you with excessive flooding that results from melting snow.
- Clear Snow from Perimeter of Home
- When it snows heavily, shovel snow away from home to prevent any water from getting inside when it melts. Also, be sure to shovel the snow away from windows to prevent moisture from seeping into your home.
- Use a Snow Rake
- DO NOT climb on your roof with a shovel and attempt to clear the snow that way…avoid the possibility of a serious injury and invest in a snow rake! Handy and accessible rakes are designed specifically to remove snow from your roof.
- Clear Out Ice Dams
- If there is snow or ice on your roof and it melts, it can drip into the gutters, causing ice dams and icicles that can lead to water infiltration into ones home. Ice dams prevent water from draining properly off of you roof and can then allow for water to get inside your home through the roof. One way to clear ice dams is the use of a nylon sock filled with calcium chloride ice melt. Place vertically across the ice dam to melt a channel through it, or call a professional.
- Get Flood Insurance
- Many homeowners’ policies do not cover the damages that result from melted snow. Some homeowners insurance policies allow you to add a supplemental flood protection package, so be sure to invest (it could save you a great deal of financial burden later on).
Have any other suggestions on how to prevent melting snow from damaging your home? Comment Below!