Texas snowstorms can cause a variety of damage to homes, leading to an increase in insurance claims. From frozen pipes to roof damage, homeowners often face unexpected challenges when severe winter weather strikes. Understanding the most common types of claims can help homeowners better prepare and navigate the claims process.
Frozen and Burst Pipes
Frozen pipes rank among the most common problems Texas snowstorms bring. Lower temperatures cause water within pipes to freeze and expand, which causes bursts. Walls, ceilings, flooring, and personal items can all suffer from the resultant water damage. If the homeowner followed reasonable precautions to avoid freezing, such as insulating pipes or keeping enough heating, most home insurance policies cover water damage from burst pipes.
Roof Damage From Heavy Snow and Ice
Snow accumulation on roofs can cause structural stress, leading to leaks or collapses. Ice dams, which form when melting snow refreezes at the roof’s edge, can also lead to water seeping under shingles. Home insurance typically covers sudden and accidental roof damage, but policies may not cover pre-existing conditions or neglect, such as failing to clear heavy snow from the roof.
Interior Water Damage From Ice Dams
Ice dams often cause water to back up into the home, damaging walls, insulation, and ceilings. This type of damage is usually covered under standard homeowners’ insurance, provided it is a direct result of the storm and not due to poor maintenance.
Power Outages Leading to Spoiled Food
Extended power outages during snowstorms can result in food spoilage. Some home insurance policies include coverage for spoiled food caused by a power outage, but this coverage may have a monetary limit. It’s worth checking your policy to see if this applies.
Tree and Debris Damage
Strong winds or heavy snow can force trees and branches to fall, damaging roofs, fences, or other parts of the property. Home insurance typically covers the cost of repairing the damage, but removal of fallen trees may only be covered if they damage insured property.
Preparing for Future Storms
Understanding these common claims can help Texas homeowners prepare for future snowstorms. Take preventive measures, review your policy for coverage details, and document damage promptly to streamline the claims process.