Last Updated: February 1, 2022
Homeowners insurance in Great Prairie will be something you need to consider this winter. The weather in Texas can create many hazards, which homeowners insurance coverage might not cover if you don’t do your research and choose the right policy.
Last February’s winter storm was unlike anything Texans had seen in decades, leaving millions without power and in subzero temperatures. A full-fledged water crisis and supply chain constraints, and substantial food disruptions arose days following the storm and its aftermath.
According to weather experts, a similar winter storm is unlikely this year, although possible. With the start of the winter season just around the corner, there’s lots Texans can do to prepare in case an extreme weather system sweeps across the state again.
This blog post will explain the different homeowner’s insurance options, including and excluding common home insurance claims during winter, and tips to avoid making homeowners insurance claims this winter!
What are the Coverage Options included in Homeowners Insurance in Great Prairie for Winter?
There are many homeowners insurance options available in Texas during winter. However, these homeowners insurance will not cover all of the hazards that can come alongside living in Texas, so it is essential to consider what homeowners insurance you need before making a claim!
Homeowners Insurance Coverage for Winter:
- Water Damage
- Wind/Hail Damage
- Falling Objects Damage
- Fire/Smoke Damage
- Theft and Burglary
- Homeowners Liability Coverage
What does Homeowners Insurance in Great Prairie exclude?
Home homeowners insurance policies will not cover damages or hazards related to natural disasters. These homeowners insurance claims include:
Homeowner’s insurance policies also do not cover fires which was a mistake by the owner’s negligence or criminal intent. Furthermore, they may even require a separate homeowners insurance policy to ensure coverage in the event of these claims.
What are the Common Homeowners Insurance Claims in Winter?
Many homeowners will make different types of homeowners insurance throughout winter, so it is essential to be aware of the most common homeowners insurance claims during this time! The most common homeowners insurance claims in winter are:
Frozen Pipes: Frozen pipes bursting and causing water damage are the most common cause of homeowner’s insurance claims. Moreover, insurers believe that burst pipes due to winter storms in 2021 will cost them $18 billion in home and commercial damage.
Snow Damage: If your visitors injure themselves due to slipping on ice or snow, they can file a claim with their homeowner’s insurance company. Furthermore, water damage and freezing account for 29% of house insurance claims in 2019, with the average claim costing $11,100. During the winter, snow and ice damage to your property can take various forms.
Wind/Hail Damage: homeowners might make homeowners insurance claims if they experience property damage during a windstorm, hail storm, or tornado.
House Fires: Many holidays occur throughout the winter, and they are notorious for causing house fires. Ensure certain combustible materials are not near heaters, lights, radiators, and electrical appliances are off after a set amount of time.
Furthermore, the other factor that has increased the homeowners insurance premium is the Coronavirus and the Omicron Variant. Therefore, go through this blog about Homeowners Insurance in McKinney: The Effects of COVID and Omicron! and learn more about the influence of the virus on home insurance.
Tips to Avoid Making Claims for Homeowners Insurance in Great Prairie for Winter:
According to The Zebra, If you submit a high-cost claim, your home insurance premiums may rise. Follow these steps to avoid a premium increase this winter by not submitting a claim.
Keep your House Heated and Well-Maintained:
This will help prevent any damages or claims from happening in the first place! Make sure you keep your sidewalks and driveway cleared of snow and ice, as well as check on any exposed pipes to make sure that they are not freezing.
Insulate your Pipes and Circulate Air:
Homeowners’ insurance claims can be made due to frozen pipes breaking, so insulating your exposed pipes will help protect them from extreme cold and might prevent homeowners’ insurance claims. Similarly, try circulating air throughout the house by opening windows or using a fan during winter months to lower humidity levels that could damage frozen water!
Weatherproof your House:
You can make homeowners insurance claims due to water damage, so it is essential to weatherproof your house as best as possible! This includes making sure that your roof and windows are in good condition and that you have proper drainage around the outside of your house.
Use Water Monitoring or Leak Detection Technology:
This is an excellent homeowners insurance tip that will help prevent any homeowners insurance claims due to water damage! Moreover, monitoring your home’s humidity levels and looking for signs of accumulated moisture or leaks can be very helpful in preventing homeowners from making homeowners insurance claims.
Inspect Chimneys and Heating Appliances:
Homeowners’ insurance claims can be made due to house fires, so it is vital to inspect all of your heating appliances and chimneys before winter begins. Check the exterior of each appliance for any cracks or damage that might lead to a fire hazard!
Frequently Asked Questions
Q. Will there be a winter storm in Texas in 2022?
According to weather experts, a similar winter storm is unlikely this year, although it is still possible. The state has already seen its first major winter cold spell, although the season’s peak is still months away.
Q. Is snow damage covered by home insurance?
Snow damage is generally covered by homeowner’s insurance. Snow damage to your home’s structure is usually covered by most homeowner’s insurance plans.
Q. Does homeowners insurance cover ice storm damage?
While most homes insurance policies cover ice and hail damage up to the policy limits, coverage for water damage varies depending on the cause.
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