Last winter, New England was blanketed with unprecedented amounts of snow, ice and wind.  Frigid temperatures caused frozen pipes and ice dams, high speed winds caused falling tree limbs, and other perils caused damage to homes resulting in headaches for homeowners. As we face another unpredictable winter, it's a good idea to review your Homeowners insurance policy for a clear understanding of how winter damage is covered.

Most standard home insurance policies cover many of the problems caused by storms, including damage from wind, snow, and freezing rain.  Certain types of water damage can be an exception and additional coverage may be needed.  

Here are a few types of damage that are covered by most standard home insurance policies:

•Wind damage, including damage due to snow or rain entering the property subsequent to a breach from wind.

•Damage by falling trees or limbs or other objects such as falling ice.

•Wind and debris damage to other insured structures on a property, such as outbuildings, sheds and detached garages.

•Roof damage caused by the weight of snow or ice.

•Burst pipes due to freezing and power failure.

Many types of water damage however, are not covered without additional insurance.  A flood insurance policy is necessary to protect against seepage from ground water that makes its way inside the walls and basement. Flood insurance protects against damage from external sources, such as water arising from drainage problems or melting snow.

Typically, policies contain exclusions for damage resulting from improper maintenance or failure to adequately prepare your home for the harsh winter elements. Standard policies often exclude coverage for damage that is caused from shutting off your heating system during extended absences. If you plan to leave your home unoccupied for any length of time this winter, make certain that you do not turn off the heat entirely; this can leave you vulnerable for damage such as burst pipes or frozen systems.

Here are a few tips that will help you prepare your home for mother nature's wrath:

•Ensure all pipes are adequately and properly insulated

•Repair any damage to your roof which could compromise its ability to seal out water & snow

•Clear all gutters and downspouts

•Cut back or remove any overgrown trees or shrubs that may hinder melting snow running off your roof.

It's also a good idea to have your furnace serviced annually to ensure it is operating safely and efficiently.

Following these tips can help to avoid the hassle of mid-winter repairs. Practical prevention can save you time and money and help to avoid filling an insurance claim.

For more information from the experts at G&N Insurance, visit www.insurewithgn.com.