Winter Storm Claims Surge: How to Prepare Your Home & Policy in December

Why Winter Storm Claims Surge in December

December marks the start of peak winter storm activity, with severe weather events increasingly leading to significant property damage and insurance claims. In recent years, insured losses from winter storms have surged, with 2022 alone seeing nearly $6 billion in insured losses—the second-highest in a decade. The month of December is especially risky, as early winter storms often catch homeowners unprepared, resulting in higher claim volumes and financial losses.

• Property Damage: Heavy snow, ice, and freezing temperatures can damage roofs, pipes, and foundations. Power outages and flooding are common, compounding risks.
• Claim Volume: Insurance companies report a spike in claims during and after major storms, especially when storms break historical records for snowfall and cold.
• Policy Gaps: Many homeowners discover coverage gaps only after filing a claim, especially for secondary damages like flooding or liability from accidents.

1. Winterize Your Property

• Inspect and repair roofs, gutters, and downspouts to prevent ice dams and leaks.
• Insulate pipes to avoid freezing and bursting.
• Seal windows and doors to keep out drafts and moisture.
• Trim trees and remove dead branches to reduce the risk of storm-related damage.

2. Emergency Planning

• Stock up on essentials: Non-perishable food, water, flashlights, and batteries.
• Prepare backup heating sources and ensure smoke and carbon monoxide detectors are functional.
• Create a family emergency plan for evacuation or shelter-in-place scenarios.

1. Understand Your Coverage

• Review your homeowners policy for winter storm coverage, including exclusions for flooding or ice damage.
• Check deductibles and claim limits to ensure they align with your risk tolerance.

2. Consider Umbrella Insurance Services in CT

• Umbrella insurance services in CT provide an extra layer of liability protection, covering claims that exceed your standard policy limits.
• This is especially important if winter conditions lead to accidents on your property or if you face lawsuits from third parties.

3. Document Your Property

• Take photos and videos of your home and valuables before the storm.
• Keep receipts and records for recent repairs and upgrades.

At D.M. Johnson Insurance Agency, we specialize in helping Connecticut residents prepare for winter’s worst. Our team can review your current policies, recommend enhancements, and explain the benefits of umbrella insurance services in CT to ensure you’re fully protected this season.

• Schedule a policy review before winter storms hit.
• Ask about bundling options for home, auto, and umbrella insurance services in CT.
• Stay informed with local weather alerts and insurance updates.

Protect your home and peace of mind this December. Contact D.M. Johnson Insurance Agency to discuss your winter storm coverage and umbrella insurance services in CT today.