They say this winter will be a harsh one! Are you ready to take on the winter weather this season? While freshly fallen snow can be tranquil and pretty, it can possess some harsh realities for homeowners. Snow, water, ice and even the freezing cold air can cause property damage that will turn your merry season into a scary season. Keystone- Deibler Straub & Troutman wants you to know that we are here to help protect you and your property during these dark and chilly months and also to answer any questions that you may have about your insurance policies. We recommend preparing ahead of time for oncoming weather rather than trying to fix the damage after a disaster happens.
Let it Snow!
Snow can be both pretty to look at and fun to play in. There’s sledding, snowmobiling, skiing… the list goes on! A white snow covered Christmas; what else could you be dreaming of? Along with the beauty comes a little weight. Depending on the moisture content of snow, 1 cubic foot could weigh anywhere from 1 pound to over 21 pounds! Having the weight of snow on the roof of your house could cause structural damage such as a slight cave in or a complete collapse. Injuries can also occur while playing in the snow. Make sure your health insurance is up to date and don’t do anything reckless on the slopes! Another danger with snow and ice is driving. This weather causes very dangerous situations such as slippery conditions and whiteouts, so it’s important to be up to date with your car insurance as well.
A Winter Wonderland
Trees are another item that could collapse under the weight of snow and ice. While the trees can create an enchanting winter wonderland when covered in snow or ice, hearing the loud crack of a branch could be one of the worst sounds to a homeowner. Be sure to keep trees pruned year round to keep them healthy and strong for the winter months. When it does snow, you can clean your branches by gently pushing them up from underneath with an extension pole. If there is ice on the branches you should let it melt naturally. Avoid shaking the branches of a tree as they are more flexible than they look and can snap easily. Even if your house and car are safe from the leaning or falling tree, make sure your neighbor’s property is safe too. They may sue you for property damage if one of your trees causes it.
There’s Snowplace like Home
Did you know that melting ice could actually seep into your roof and make its way into your walls? This can cause extensive water damage that you may not even be aware of! There are some preventative steps you can take in order to help avoid this tragedy. First, make sure your attic is ventilated to allow plenty of air drying capabilities. Also insulate your attic floor to prevent heat from rising too much as this can create humidity. You can also install a water-repellent membrane under your roof covering to provide extra protection. In the event that something were to happen to your interior walls, give Keystone- Deibler Straub & Troutman a call and we will assist you moving forward.
During the winter season it is common to use more electricity for things such as extra heat in the house, using appliances more often for family meals, and hanging up that holiday decor. It’s important to remember not to overload your circuits though as this can lead to blown fuses or fires. We recommend unplugging any unessential items if you’re going to be away from home and use extra caution if you put up a Christmas tree. Also stay on top of your home insurance policy and be aware of what may or may not be covered.
We are proud to serve the Elizabethville, Halifax, Millersburg, Upper Dauphin, Line Mountain and surrounding areas with all of your insurance needs. Keystone- Deibler Straub & Troutman would like to take this time to wish you and your family a very merry holiday season! Stay warm and stay safe!