As we brace for the winter season, homeowners across the United States face many weather-related challenges that can significantly impact their properties. Winter storms in 2022 resulted in nearly $6 billion in insured losses, marking it as the second-highest year for winter storm insured losses in the last decade. One of the costliest winter events in recent memory occurred in December 2022, with $3.5 billion in insured losses.[1] In 2021, winter storms led to a record $15.1 billion in insured losses, highlighting the severe consequences of winter weather extremes, including power outages and water damage from burst pipes. [2]

The aftermath of these storms can be long-lasting, with 62% of homeowners who experienced property damage from last winter’s snow and ice still dealing with the fallout, including financial strains from repair costs.[3] As we look ahead, the 2023 winter weather forecast indicates a varied climate across the country. The western half of the U.S. is expected to experience a wet and mild winter with above-normal temperatures and precipitation. Conversely, the eastern half is poised for a colder winter with potentially record-breaking cold and heavy snow. The Southwest may face a drier winter, exacerbating drought conditions.[4]

This dynamic and potentially hazardous weather landscape underscores the importance of proactive preparation and maintenance to safeguard homes against the ravages of winter. Our guide aims to equip homeowners with practical and region-specific strategies to protect their properties and manage the potential impacts on their insurance claims.

Western United States

As the winter season unfolds, homeowners in the Western United States face unique challenges. The cold weather brings a range of issues that can affect your home, and being prepared is critical to avoiding costly insurance claims.

One of the most common winter-related problems in the West is frozen pipes. When water inside pipes freezes, it can cause them to burst, leading to significant water damage and mold. The cost of such damage can be substantial, typically ranging from $10,000 to $20,000 per claim. Equally challenging are ice dams, which form at the edge of roofs, preventing melted snow from draining and potentially causing water to leak into your home.

Falling tree branches, laden with ice, pose another risk, especially if they hang over your home. These can crash into your roof, causing damage. House fires, often associated with the holiday season’s cooking and decorative lights, also spike during winter. Lastly, wind and hail can severely damage your roof, with the average claim for such damage being about $10,800.

Central United States

In the Central U.S., the winter months can be harsh, bringing various issues that could impact your home. Ice dams are a common problem, forming at the edge of roofs and blocking melting snow. This can lead to leaks inside your home, causing severe damage to walls and ceilings. Another significant concern is the damage to roofs and siding caused by heavy snowfall, sleet, hail, and strong winds.

Falling trees and limbs, burdened by heavy snow and wind, can cause structural damage to homes and vehicles and lead to power outages. Frozen pipes are also a significant issue, especially during power outages, leading to substantial water damage. Lastly, house fires, often linked to secondary heating sources, pose a considerable risk, particularly in multi-family homes.

Eastern United States

Winter in the Eastern U.S. is characterized by various weather conditions that can threaten your home. Ice dams are a common problem when persistent cold weather causes ice to form under roof shingles, leading to leaks and water damage inside your home. Heavy snowfall, sleet, hail, and strong winds can also cause significant damage to roofs and siding. Another frequent issue is the damage caused by falling trees and limbs, which can not only harm the structure of your home but also lead to power outages. Frozen pipes are a grave concern, as they can burst and cause extensive water damage. This is especially true during power outages when homes lose heat for extended periods. House fires are another risk, often traced back to secondary heating sources, and are a concern, especially in multi-family homes, apartments, and condos.[5]

Risk Mitigation Strategies

To mitigate these risks, specific steps can be taken:

• For frozen pipes, insulation is crucial, especially in basements and attics. During cold snaps, let faucets drip slightly to prevent freezing, and turn off the water if you’re away for an extended period. Sealing air leaks near doors and windows can minimize the chances of your pipes freezing; you can use something as simple as weather stripping or other door draft stoppers.
• Fighting against ice damming involves adding extra insulation to your roof so that indoor heat can slowly melt the snow and ice. Using a roof rake after storms to clear snow from the gutter line is also effective, but be sure to avoid climbing onto the roof; hiring a contractor is safer for more thorough cleaning.
• Regularly inspect and trim tree branches that overhang your home, driveway, or other structures to prevent damage from falling limbs.
• Reduce the risk of house fires by keeping flammable materials away from heat sources and ensuring your Christmas tree stays hydrated. Ensuring your furnace and heating ducts are in working order is also crucial. Don’t hesitate to contact a professional for a thorough inspection and maintenance.
• After hailstorms, inspect your roof for damage to address issues promptly.

Insurance Policy Review

It’s also important to review your insurance policy and update your documentation, including photos, to reflect your home’s condition before the winter. This helps you understand what is included in your coverage and what additional actions might be necessary to protect your home. Most home insurance policies cover perils like wind, falling debris, water damage, and fire. However, damage caused by flooding, which can occur if winter temperatures spike, is typically not covered under a standard policy and requires separate flood insurance. Liability coverage is also essential, as it can protect you if someone slips and falls on your property.

Winterizing When Away

For those planning to leave their homes during winter, avoiding water damage is essential. Turning off the water supply and draining pipes can prevent bursting. Keeping the furnace running with a thermostat set no lower than 55 degrees Fahrenheit ensures that the home stays warm and pipes do not freeze. It’s also important to arrange for snow removal and have someone regularly check on the property.

Indoor Winterization Checklist

1. Heating and Plumbing Systems: Have your heating system inspected and serviced before leaving. Turn off the water supply unless a fire sprinkler system protects the home, and drainpipes to protect them from freezing. Set your thermostat to at least 55°F to prevent pipes from freezing, and leave cabinet doors open to allow warm air circulation around the pipes.
2. Appliances and Electricals: Unplug all appliances to save energy and prevent fire hazards. Clean and defrost refrigerators and freezers, leaving doors open to prevent mildew. Similarly, clean ovens, dishwashers, washers, and dryers, leaving their doors open.
3. General Cleaning and Maintenance: Vacuum carpets, sweep floors, wash linens, bedding, and towels, and store them in covered containers. Remove all perishable food items, clean all closets and cabinets, and leave their doors open to prevent mildew.

Outdoor Winterization

1. Roof and Gutters: Inspect the roof for damage and make necessary repairs. Clean gutters to ensure proper drainage and consider hiring someone for maintenance if you’ll be away for a long time.
2. Yard Maintenance: Bring all lawn furniture indoors and remove dead trees or overhanging limbs that could cause damage. Shut off and drain outdoor water faucets and take out the trash.

Security and Safety Measures

1. Security Systems: Activate alarm systems and secure all doors and windows. Confirm that smoke detectors are functional. Install storm shutters or consider other mitigation measures like marine plywood in storm-prone areas.
2. Community Engagement: Notify the local police department about your vacant property and provide emergency contact numbers. Have a trusted friend, neighbor, or relative watch your home. They should have access to the home to monitor heating, electrical, and water systems and be prepared to act in emergencies.

Additional Considerations

1. Communication and Mail: Forward your mail and stop newspaper delivery to prevent accumulation that signals an unoccupied home. Avoid sharing your travel plans on social media to reduce the risk of burglary.
2. Pest Control: Thoroughly clean your home to discourage pests. Check for openings animals could use to enter, like unclosed fireplace flues, and install chimney guard screen-caps if necessary.

In concluding our guide on preparing for the upcoming winter, it’s important to emphasize the proactive steps homeowners can take to protect their properties. For homeowners who may discover issues upon their return or during the winter months, it’s crucial to act swiftly. The first step should be to document the damage thoroughly with clear photographs and detailed notes. This documentation is vital for insurance purposes. Following this, homeowners should immediately contact their insurance carrier as quickly as possible.

At K2 Claims Services, we understand the stress and challenges that come with property damage, especially during winter. Our commitment is to provide excellent claim handling and peace of mind, ensuring that your home is protected no matter the season. We are here to help you navigate through winter’s challenges, offering reliable support every step of the way.

For the Carriers

At K2 Claims Services LLC, we specialize in turning winter worries into peace of mind for homeowners. Our expertise in handling winter-related claims means we’re not just your claims administrator but your winter weather ally. Whether facing frozen pipes, roof damage, or any other winter challenges, our team is ready to offer swift, expert assistance. Discover the K2 Claims difference – visit our website today to learn how we can protect you this winter and beyond.

[1] https://www.iii.org/fact-statistic/facts-statistics-winter-storms#:~:text=Winter%20storms%20caused%20nearly%20%246,snow%2C%20ice%2C%20freezing%20and%20flooding

[2] https://www.thezebra.com/resources/home/top-winter-home-insurance-claims/#:~:text=In%202021%2C%20a%20record%20%2415,extreme%20effects%20of%20climate%20change

[3] https://www.valuepenguin.com/winter-weather-survey#:~:text=A%20nationwide%20survey%20commissioned%20by,the%20cost%20of%20the%20work

[4] https://www.almanac.com/winter-extended-forecast-farmers-almanac

[5] https://magazine.northeast.aaa.com/daily/money/homeowners-insurance/common-winter-insurance-claims/