It's coming – with all its ice, wind, snow, and unpredictable weather—winter is on its way. Even daily activities can take on a higher degree of difficulty in the winter, so you need to prepare. Running through a winter preparation list now can help you protect yourself, your home, and your property.
As a homeowner, you have a responsibility to keep your home and belongings in good condition, both for your comfort and safety and the safety of others. Not maintaining your home adequately could negate what your insurance will cover if you need to make a claim.
Make sure you understand exactly what your insurance policy covers. Coverage of any kind usually includes exclusions. Exclusions provide details on what's not covered by your insurance, including things that might have been covered if you had taken proper precautions. That's why winter prepping for safety is so important.
Standard policy exclusions include hail, wind, or ice damage, or flooding. If you live in an area with extreme weather conditions, you may want to read your policy or check with your agent to see if these types of damages are covered. If they're not, you may be able to purchase a separate insurance rider to get the protection you need.
Bottom line, you don't want to think you're covered for something only to find out you're not. Carefully read through your policy, especially the fine print, and be familiar with what is and isn't covered. If you have questions, call your insurance agent for clarification. Your agent can answer questions on your policy's specifics and recommend extra coverage if you think it's needed.
We can help answer your questions about protecting yourself during the winter months. Call or contact Sea Mountain Insurance and let us help you stay safe and prepared for this winter season.