RICHMOND, Va. (WFXR) — The State Company Fee’s (SCC) Bureau of Insurance coverage (Bureau) is encouraging Virginians to evaluate their insurance coverage protection and put together their properties and autos earlier than winter climate occasions hit.
Whereas snowy circumstances can look fairly, winter climate may cause havoc on your own home and car.
An excessive amount of snow or ice may end up in tree limbs breaking and falling on properties, autos, and energy traces. Additionally they may end up in collapsed roofs and different harm to properties, buildings, and autos. Melting snow and ice may cause flooding and inside harm, even after a winter storm has handed. Sub-freezing temperatures can result in damaged pipes inside and out of doors your property.
To cut back the chance of injury to your property and autos within the winter, the Bureau recommends:
- Pruning useless, dying, diseased or damaged tree limbs close to your property and property.
- Eradicating particles out of your gutters helps forestall ice dams and permits melting water to empty freely away from your property.
- Insulate and ventilate. Examine your attic insulation and air flow (roof or soffit vents) to make sure heat air stays within the dwelling areas of your property and out of the attic. Maintaining attic air chilly may help reduce the freeze/thaw cycle that causes ice dams that may end up in inside water harm to your property. Correct insulation additionally helps save vitality and should cut back your heating and air-con payments.
- Defend your pipes. Detach backyard hoses from your property earlier than freezing climate begins and correctly winterize pipes and irrigation programs round your property. To guard inside pipes, depart your faucet working with a slight drip to permit water to maintain transferring by way of inside pipes, decreasing the prospect of freezing. Opening the cupboard doorways beneath your sink permits heat air to flow into round your pipes.
Within the occasion your property or property suffers harm on account of extreme winter climate, contact your insurance coverage agent or firm as quickly as doable. Make any needed emergency repairs and take cheap steps to forestall additional harm. File all harm to your property and embody images, notes, and repair-related receipts.
Householders insurance coverage additionally could cowl sure bills if somebody slips and falls on slick sidewalks or different surfaces in your property.
You additionally ought to verify whether or not your auto insurance coverage covers harm to your car on account of ice, snow, and falling tree limbs. These damages normally are lined by other-than-collision (or complete) protection in your car and pay for harm to a car from things like fireplace, water, hail, vandalism, glass breakage, wind, and falling objects.
Get breaking information, climate, and sports activities delivered to your smartphone with the WFXR Information app obtainable on Apple and Android.