Winter storms can cause serious property damage from burst pipes and roof leaks to fallen trees and power-related issues. When damage happens, knowing what to do next can help protect your home and streamline the insurance claims process. Here’s a quick guide to navigating winter weather claims with confidence.
Common Winter Property Damage
- Frozen or burst pipes
- Roof damage from snow or ice dams
- Water damage from melting snow
- Fallen trees or branches
- Structural damage from heavy snow loads
Step 1: Put Safety First
Avoid standing water near electricity, stay clear of unstable structures, and leave the property if conditions are unsafe. Contact emergency services or utilities if needed.
Step 2: Prevent Further Damage
If it’s safe, take reasonable steps to stop additional damage; shut off water, tarp a roof, board windows, or move belongings. Save receipts for temporary repairs.
Step 3: Document the Damage
Good documentation helps claims move faster.
- Take clear photos and videos
- Capture damage before repairs
- List damaged items
- Note dates and weather conditions
Step 4: Call Your Insurance Advisor
Before filing a claim, contact your advisor at MetzWood. They can explain coverage, help decide if filing makes sense, and guide you through the process so you’re not navigating it alone.
Step 5: File the Claim Promptly
Have your policy number, damage details, photos, and repair records ready. An adjuster may inspect the damage before permanent repairs begin.
Reduce the Risk This Winter
- Insulate exposed pipes
- Clear gutters before the snowy season
- Remove heavy roof snow when safe
- Trim weak branches
- Schedule seasonal inspections
Winter weather damage is stressful, but taking the right steps and working with a trusted advisor can make the claims process smoother and less overwhelming. If you have questions about coverage or need guidance after winter property damage, contact our team to get personalized support and peace of mind.