How to Protect Your Home from Winter Storm Damage with the Right Insurance

The beauty of Canadian winters is undeniable, but so are the risks. From blizzards and ice storms to heavy snow and freezing rain, winter poses a threat to homes, vehicles, and businesses. Roof collapses, frozen pipes, treacherous roads, and business interruptions are just a few of the potential consequences.

While we have no control over the weather, preparation and the right insurance coverage can mitigate damage and financial loss. At Cluett Insurance, we specialize in safeguarding your home, business, and peace of mind, ensuring you’re prepared to face any winter storm.

Key Winter Risks and How to Protect Your Home

1. Prevent Frozen Pipes

Pipes in unheated areas like basements and garages can freeze during cold weather. When the water inside freezes and expands, the pipes can burst and cause costly water damage. Prevent this by insulating exposed pipes and keeping your thermostat at a consistent temperature—even when you’re away. Open cabinet doors under sinks to allow warm air to circulate around the plumbing and further reduce the risk of freezing.

Learn more about Cluett’s Home & Property Insurance Coverage.

2. Prepare Your Roof for Heavy Snow and Ice

Heavy snow and ice can cause significant damage to your roof, including leaks, structural issues, and potential collapse. This is especially true for older or flat roofs.  To protect your home, clear heavy snow with a roof rake or hire a professional. Inspect your roof for weak spots or damaged shingles, and make sure your attic is well-insulated and ventilated to prevent ice dams.

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3. Manage Ice Dams

Ice dams can cause water damage to your home’s interior. They occur when warm air escapes your attic and melts snow on the roof. This melted snow runs to the roof’s edge and refreezes, forming a dam that traps water, which can then seep under your shingles.  You can prevent ice dams by sealing air leaks in your attic, cleaning your gutters, and installing heat cables along the roof’s edge to stop ice from forming.

4. Basement Flood Prevention

Melting snow may penetrate the foundation, leading to cracks or flooding. Prevent this by clearing snow away from the home’s base after storms, inspecting and sealing foundation cracks, and installing a sump pump with a backup power source to manage heavy flooding and protect the basement from water damage.

5. Minimizing Winter Slip-and-Fall Hazards

Shovel snow promptly from your driveways and walkways. Apply ice melt or sand to create traction and repair any uneven surfaces before winter arrives to reduce the risk of falls for family and visitors. Place non-slip mats near entrances to keep floors dry and safe during snowy weather.

Let’s get you covered. Get a home insurance quote today.

Why choose Cluett Insurance?

At Cluett Insurance, we understand the unique challenges of Canadian winters. Our Home Insurance policies are designed to protect against the specific risks homeowners face during winter storms. From burst pipes and roof damage to liability for slip-and-fall accidents, we’ll work with you to tailor a policy that meets your needs.

Don’t wait until it’s too late. Contact Cluett Insurance today to ensure your home is ready for whatever winter brings.