Winter Home Insurance Risks to Watch

1. Frozen Pipes

When temperatures drop below freezing, water inside pipes can freeze and expand. This increases pressure inside the pipe, often causing it to burst. A burst pipe can release hundreds of gallons of water in a short period of time, leading to flooding, structural damage and mold growth.

Prevention tips:

• Keep your thermostat set to at least 55°F, even when away from home.
• Open cabinet doors to allow warm air to circulate around pipes under sinks.
• Let faucets drip slightly during extreme cold.
• Insulate exposed pipes in basements, crawl spaces and garages.

Most homeowners policies cover sudden and accidental water damage from a burst pipe. However, damage from neglect, such as failing to heat your home, may not be covered.

2. Ice Dams

Ice dams form when snow melts on a warmer section of your roof and refreezes near the eaves. This creates a barrier that traps water behind it, forcing water under shingles and into your home. Water damage from ice dams may be covered but prevention plays a big role. Long-term damage caused by ignored leaks can raise coverage concerns.

Warning signs:

• Icicles forming along the roofline.
• Water stains on ceilings or attic spaces.
• Peeling paint near ceiling edges.

Prevention tips:

• Keep gutters clean so melting snow can drain properly.
• Ensure your attic is well insulated and vented.
• Remove snow buildup from the roof after heavy storms using a roof rake.

3. Heating-Related Fires

Space heaters, fireplaces and furnaces work overtime during winter, increasing fire risk. Fire damage is typically covered by homeowners insurance, but only when equipment is properly installed and maintained.

Common causes:

• Space heaters placed too close to furniture or curtains.
• Fireplaces with blocked chimneys or creosote buildup.
• Faulty or poorly maintained heating systems.

Prevention tips:

• Keep anything flammable at least three feet from space heaters.
• Have your chimney and heating systems inspected annually.
• Never leave heaters or fireplaces unattended.
• Install and test smoke detectors regularly.

Why This Matters for Homeowners

Winter-related insurance claims rise every year. Even small events like a slow leak or minor roof damage can lead to thousands of dollars in repairs if not addressed quickly. If you are unsure what your current insurance policy covers, Stanton Insurance Group can help you review your coverage and make sure you are protected before the coldest days arrive. Contact us today to get started.