The First Steps to Take When Winter Damage Hits Your Home

Winter storms can cause sudden, stressful damage — from burst pipes to roof leaks to fallen tree limbs. Acting quickly not only protects your property but also strengthens your insurance claim.

Prioritize Safety Above Everything

If your roof is sagging, electrical wires are exposed, or water is entering the home, evacuate immediately. Call emergency services if needed.

Document Every Bit of Damage

Before cleaning up, take photos and videos of all affected areas — wide shots and close-ups. Document water levels, structural cracks, damaged belongings, and any safety hazards.
Keep notes with dates and times; these details can be crucial during a claim.

Prevent Additional Damage

Insurance expects homeowners to stop the situation from getting worse.
Do things like:

• Turn off the water if a pipe bursts
• Cover roof openings with a tarp
• Move belongings out of standing water(Save receipts for anything you purchase — tarps, tools, supplies — as these may be reimbursable.)

4. Contact Your Insurance Agent Immediately

The sooner you report the loss, the smoother your claim process will be. Provide:

• A clear description of the damage
• Photos and early estimates if available
• Notes about temporary repairs you’ve already made

5. Review Your Policy

Although coverage varies, most homeowners policies include:

• Damage from frozen or burst pipes
• Roof leaks caused by ice dams or snow load
• Wind damage
• Fallen trees that hit a structure
• (Be aware that flooding from melting snow or gradual damage is often excluded.)

Final Tip:

Keep a winter emergency kit ready each year - tarps, flashlights, extension cords, space heaters, and contact info for plumbers and roofers.