Home Insurance Claims | Merit Insurance Brokers Inc., Toronto, Waterdown, Ontario, Canada

Top Home Insurance Claims in Winter and How to Prevent Them

Winter can be a beautiful season, but brings unique challenges for homeowners. From icy conditions to heavy snowfall, winter weather can lead to costly home insurance claims. By understanding the most common issues and taking preventative measures, you can protect your home and avoid unnecessary stress. Here are the top home insurance claims in winter and how to prevent them.

1. Frozen Pipes

The Problem: Freezing temperatures can cause water in your pipes to expand, potentially leading to burst pipes and significant water damage.

Prevention Tips:

  • Insulate pipes in unheated areas such as basements, attics, and garages.
  • Allow faucets to drip during extreme cold to keep water flowing.
  • Maintain a consistent indoor temperature, even when you’re away.
  • Know where your main water shut-off valve is located in an emergency.

2. Roof Damage from Ice Dams

The Problem: Ice dams form when snow on your roof melts and refreezes near the edges, preventing proper drainage. This can lead to water seeping under shingles and into your home.

Prevention Tips:

  • Clean gutters and downspouts before winter to ensure proper drainage.
  • Use a roof rake to remove excess snow from your roof after heavy snowfall.
  • Improve attic insulation and ventilation to prevent uneven roof temperatures.

3. Slip-and-Fall Accidents

The Problem: Icy driveways, sidewalks, and walkways can lead to slip-and-fall injuries, potentially resulting in liability claims.

Prevention Tips:

  • Shovel snow and apply salt or sand to icy areas promptly.
  • Repair cracks or uneven surfaces in walkways before winter.
  • Install motion-activated outdoor lights to ensure visibility at night.

4. House Fires

The Problem: Heating equipment is one of the leading causes of house fires during winter.

Prevention Tips:

  • Have your heating system, fireplace, and chimney inspected annually.
  • Keep flammable materials away from space heaters.
  • Never leave candles unattended.
  • Install and regularly test smoke alarms throughout your home.

5. Tree Damage

The Problem: Heavy snow and ice can cause tree branches to break and fall, potentially damaging your home or other property.

Prevention Tips:

  • Trim weak or overhanging branches before winter.
  • Remove dead or diseased trees near your home.
  • Monitor tree health and address any concerns with a certified arborist.

6. Carbon Monoxide Exposure

The Problem: Without proper equipment, improperly maintained heating systems can release carbon monoxide, an undetectable deadly gas.

Prevention Tips:

  • Install carbon monoxide detectors on every level of your home.
  • Have your furnace and other fuel-burning appliances serviced annually.
  • Never use generators, grills, or other outdoor equipment indoors.

Protect Your Home and Stay Safe

Winter weather doesn’t have to turn into a season of headaches and home insurance claims. By proactively preparing your home and property, you can minimize risks and enjoy a safer, more comfortable winter. If you have questions about your home insurance policy or need advice on additional coverage, Merit Insurance is here to help. Contact us today to ensure you’re fully protected this winter.