Top Winter Home Insurance Claims
Winter home insurance claims are common and often result from extreme weather conditions. Some of the most common types include frozen pipes, snow and ice damage, house fires, personal injury, and wind and hail damage.
- Most home insurance policies cover standard types of damages, including falling snow, freezing rain or wind-driven snow, accumulated snow on the house, roof, or other insured structures, fallen tree limbs, ice damage, and frozen or burst pipes.
- House fires are common during winter, with Thanksgiving being the leading holiday for cooking fires and Christmas Day being the optimal day for candle fires. Home heating and lighting are also common culprits, so homeowners should exercise caution around open flames.
- Personal injury liability arises from ice on property, and insurance policies typically cover medical expenses and liability expenses from lawsuits.
Standard home insurance policies do not cover flood damage, cosmetic damages from wind and hail, or damage due to homeowner negligence. To get flood insurance, check FEMA’s National Flood Insurance Program. Damage to the home’s functionality or structure is covered. Claims may be denied if the homeowner wasn’t living or didn’t exercise reasonable care.
Coldest Cities in the US
Coldest Cities in the United States: Cold weather in the US can have severe consequences, especially for home insurance. The coldest cities in the United States face intense snow, scathing winds, and dangerous ice, posing risks to homes and personal safety. Many cities that are the most consistently cold record-low temperatures and over 60 inches of snow annually.
The Midwest, particularly Minnesota and the Dakotas, have the lowest temperatures and longest winters, with at least 120 days below freezing. Climate change has also changed the course of weather in the US, with Alaska experiencing record heat in July.
Table of Content
- List of Coldest Cities in the US
- Coldest Place in the US
- Top Winter Home Insurance Claims
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