Winter Insurance Claims We See Every Year (And How to Avoid Them)

Winter brings unique risks for homeowners and drivers alike. While some winter damage is unavoidable, many of the most common insurance claims we see each year are preventable with a little preparation.

Common Winter Auto Claims

• Weather-Related Collisions: Snow, ice, and poor visibility lead to increased accidents, particularly during storms and early morning commutes.

How to reduce risk: Drive slower than posted limits, leave extra space between vehicles, and avoid driving during severe weather when possible.

• Sliding Into Objects or Other Vehicles: Loss of traction can cause drivers to slide into guardrails, mailboxes, or parked cars.

How to reduce risk: Use winter tires if possible and avoid sudden steering or braking.

Common Winter Homeowners Claims

• Frozen or Burst Pipes: Pipes can freeze when temperatures drop, especially in basements, crawl spaces, and exterior walls.

How to reduce risk: Keep heat on, open cabinet doors near plumbing, and let faucets drip during extreme cold.

• Ice Dams: Ice dams form when melting snow refreezes along the roof edge, forcing water back under shingles.

How to reduce risk: Remove excess snow from roofs safely and ensure proper attic insulation and ventilation.

• Power Outage Damage: Winter storms often bring extended power outages, which can lead to frozen pipes, spoiled food, or sump pump failure.

How to reduce risk: Have a backup heat source if possible and know where your main water shutoff is located.

Why Prevention Matters

Insurance is there to help when the unexpected happens, but avoiding claims can help reduce stress, disruption, and potential rate increases. Small winter habits can make a big difference.

Taking steps now before the next storm can help protect your home, your vehicle, and your peace of mind throughout the rest of winter.

(207) 363-7894 | www.tapleyagency.com | 300 York St . PO Box 808 . York, Maine 03909