{"id":6946,"date":"2025-10-30T12:08:54","date_gmt":"2025-10-30T16:08:54","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=6946"},"modified":"2025-10-30T12:08:55","modified_gmt":"2025-10-30T16:08:55","slug":"winter-is-comingare-you-covered-home-insurance-checklist","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/winter-is-comingare-you-covered-home-insurance-checklist\/","title":{"rendered":"Winter Is Coming\u2026Are You Covered? Home Insurance Checklist"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1430\" height=\"665\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/home-insurance-checklist-winter-is-coming.webp\" alt=\"\" class=\"wp-image-6947\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/home-insurance-checklist-winter-is-coming.webp 1430w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/home-insurance-checklist-winter-is-coming-300x140.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/home-insurance-checklist-winter-is-coming-1024x476.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/home-insurance-checklist-winter-is-coming-768x357.webp 768w\" sizes=\"auto, (max-width: 1430px) 100vw, 1430px\" \/><\/figure>\n\n\n\n<p>Winter <a href=\"https:\/\/www.deeds.com\/articles\/the-resilient-deed-what-property-buyers-should-know-about-climate-weather-and-insurance\/\">weather<\/a> can damage your roof, plumbing, or other aspects of any home you own. Are you prepared?<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Don\u2019t Overlook Basic Maintenance<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"950\" height=\"633\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/dont-over-look-basic-maintenance.webp\" alt=\"\" class=\"wp-image-6948\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/dont-over-look-basic-maintenance.webp 950w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/dont-over-look-basic-maintenance-300x200.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/10\/dont-over-look-basic-maintenance-768x512.webp 768w\" sizes=\"auto, (max-width: 950px) 100vw, 950px\" \/><\/figure>\n\n\n\n<p>To reduce your risk of winter weather damage, maintain your property in advance. According to the National Association of Insurance Commissioners, here\u2019s what you need to consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Snow and ice can break tree limbs. Have your trees pruned and dying branches removed. If diseased limbs were hanging over your roof before the roof is damaged, your insurer would likely deny your claim.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Clearing the debris from your gutters will help prevent ice dams from forming.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To protect interior pipes from freezing, allow a slight drip to run, and open the sink cabinet doors. Letting water move through interior pipes and warm air circulate around plumbing lines can keep water from freezing. And remove all garden hoses before freezing weather sets in.<\/li>\n<\/ul>\n\n\n\n<p>Consider a roof inspection, and an attic inspection as well. A roof inspector can find problem areas before leakage starts. And ask about snow guards to help ice melt and drain safely. Ice can get under roofing shingles, then melt, allowing water to damage the inside of your home.<\/p>\n\n\n\n<p>New roof and soffit vents might help balance your ventilation and insulation. A cold temperature in the attic can also prevent ice dams.<\/p>\n\n\n\n<p>What about fire? It might not be on your winter weather bingo card, but winter house fires do happen. Be sure you\u2019ve had regular maintenance done on chimneys or furnaces. Keep anything that might catch fire more than three feet away from fireplaces, furnaces, HVAC systems or electric heaters.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Winter Damage Is Covered?<\/h2>\n\n\n\n<p>Review your insurance coverage to know how your policy treats winter weather damage. Hail or snow can break windows and damage your home\u2019s physical structure. Repairs are typically addressable under your policy\u2019s dwelling coverage. Sudden snow and ice damage can be covered \u2014 when a roof collapses, ice causes a leak, or a tree comes down. Home insurance might cover damage from ice and offer limited payments for ice removal.<\/p>\n\n\n\n<p>Any damage caused by a condition that has built up over time (considered preventable) usually won\u2019t be covered. Damage from <em>sudden<\/em> leaks (burst pipes) may be covered.&nbsp; Most policies won\u2019t cover damage from a backed-up drain or sewer unless you&#8217;ve paid for a special endorsement. Ask your insurance broker if you\u2019re covered in case your personal property is damaged by the leak.<\/p>\n\n\n\n<p>It\u2019s up to the deed holder to keep up with the home\u2019s maintenance. So, for example, mold is often viewed as a maintenance issue and typically isn\u2019t covered by home insurance. Yet if the mold occurs suddenly, as a result of a risk your insurance policy covers (like weather-related roof damage), it could be covered by your home insurance policy.<\/p>\n\n\n\n<p>Keep in mind that home insurance does not protect your home from the costs of water infiltration damage. Each state decides what counts as flooding, and which losses are excluded from coverage.<\/p>\n\n\n\n<p class=\"has-accent-5-background-color has-background has-small-font-size\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\"><em><strong>Floods go unaddressed in a standard home insurance policy. <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/safe-or-sorry-the-evolving-law-of-disclosing-flood-risk-and-how-to-look-up-your-own-homes-risk-of-flooding\/\"><strong><em>We discuss flood risks in more detail here<\/em><\/strong><\/a><em><strong>.<\/strong><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s in a Standard Policy?<\/h2>\n\n\n\n<p>Most mortgage lenders insist that you keep at least a basic insurance policy in place while you have a mortgage balance. The company typically has you make insurance payments into your escrow account, as part of your monthly mortgage bill. After you pay off your mortgage, you\u2019ll take care of the premiums directly.<\/p>\n\n\n\n<p>You\u2019ll need the insurance in case your home suffers damage. A standard policy covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Damage from fire, storms, lightning, or a disaster listed in your policy. Your insurance broker refers to this as <em>d<\/em><em>welling coverage<\/em>.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Installations, such as garages, gazebos, porches, and decks, as well as sheds and possibly trees and plantings. \u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Damaged or stolen personal property: furnishings, electronics, appliances, clothes, sports gear, and other personal items that aren\u2019t built into your home. Coverage addressing loss or damage for personal items whether they were in or out of the home when the incident occurred. Expect a deduction for depreciation.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Luxury goods up to a certain value, and stolen or damaged (not lost) jewelry. A <em>scheduled personal property endorsement<\/em> covers the extra value of your personal belongings when the amount is higher than your policy\u2019s limits.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loss-of-use coverage: costs of living out of the home during restoration work after a disaster your policy covers.<\/li>\n<\/ul>\n\n\n\n<p>A standard homeowner\u2019s policy does include liability \u2014 your responsibility for injuries or property damage you or members of your household cause to others. Personal liability covers bodily injury (dog bites, for example) and property damage if you\u2019re found legally responsible in court. There\u2019s generally no deductible for liability coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Risks Might Need Added Coverage?<\/h2>\n\n\n\n<p>Customers pay for<em> endorsements<\/em> to add coverage for risks that aren\u2019t covered in a basic policy. Common endorsements look like these:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sewer or sump pump backup coverage is commonly needed, but requires additional payment.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Policies in coastal areas may exclude damage from particular perils such as earthquakes or hail. In <a href=\"https:\/\/www.deeds.com\/articles\/florida-hurricanes-raise-a-question-can-we-guard-our-deeds-from-climate-losses\/\">hurricane-prone states<\/a>, a deed holder might look into windstorm insurance for sudden wind damage due to intense storms. (Wind is excluded in some areas, such as certain Texas counties).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Equipment breakdown coverage pays to repair or replace major systems and appliances in case of mechanical failures (not normal wear and tear).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Service line coverage addresses utility lines that are the responsibility of the policy holder.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identity theft insurance can recover income and legal costs in the event of data-related fraud. \u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An <em>ordinance endorsement <\/em>covers the need for restoration to comply with building codes or other local laws that have changed since your home was built.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An inflation guard increases coverage limits, tracking the inflation of the dollar. To bulk up your coverage for disasters, ask about an<em> extended replacement cost <\/em>policy. Paying to restore your home to its previous condition would then be possible, regardless of inflation in materials and construction prices.<\/li>\n<\/ul>\n\n\n\n<p>Note that some policies do cover risks that the policy doesn\u2019t name; check with your insurance consultant for the finer points.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ask About Discounts\u2014But Don\u2019t Go Underinsured.<\/h2>\n\n\n\n<p>Ask your broker how to get discounts \u2014 for example, by updating systems or installing safety features in your home. But saving money on premiums isn\u2019t everything. You\u2019ll also want solid risk protection. An umbrella policy is an add-on that expands coverage. And extended replacement cost coverage will pay to enhance your dwelling coverage, up to a specified limit.<\/p>\n\n\n\n<p>A broker can tell you about further coverage \u2014 for example, to protect your business, or shield you from various kinds of litigation. Why choose a broker rather than deal with a particular company\u2019s agent? First, it\u2019s not costly to do so. Insurers cover the brokerage fees. Then, your local broker can check dozens of companies, set up your account, and keep a lookout for better deals.<\/p>\n\n\n\n<p>This is not to suggest that any insurance is a bargain. <a href=\"https:\/\/www.deeds.com\/articles\/climate-risks-and-insurance-the-struggle-continues\/\">Insurance prices are rising<\/a> across the country. Across the board, deed holders are now sending 9%+ of their monthly housing payments to home insurers!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><em>Preventing <\/em>Home Insurance Claims Is the Best Policy.<\/h2>\n\n\n\n<p>This is because your insurance tends to go up when claims are paid. Other companies, not just the one you use now, can check your home\u2019s claim history and <em>also<\/em> charge higher premiums based on that history.<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p>The National Association of Insurance Commissioners (NAIC), via <em>NAIC.org<\/em>: <a href=\"https:\/\/content.naic.org\/sites\/default\/files\/publication-hoi-pp-consumer-homeowners.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">A Consumer\u2019s Guide to Home Insurance<\/a> (2022).<\/p>\n\n\n\n<p>The National Association of Insurance Commissioners (NAIC), via <em>NAIC.org<\/em>: <a href=\"https:\/\/content.naic.org\/article\/consumer-insight-protect-your-home-damaging-winter-weather\" target=\"_blank\" rel=\"noreferrer noopener\">Protect Your Home from Damaging Winter<\/a> (Jan. 24, 2022).<\/p>\n\n\n\n<p>Insurance Information Institute, Inc.: <a href=\"https:\/\/www.iii.org\/article\/homeowners-insurance-basics\" target=\"_blank\" rel=\"noreferrer noopener\">Homeowners Insurance Basics<\/a>.<\/p>\n\n\n\n<p>Kemper Insurance: <a href=\"https:\/\/cloud.kemper.com\/en\/resources\/insurance-insights\/the-top-3-causes-of-house-fires\" target=\"_blank\" rel=\"noreferrer noopener\">The Top Three Causes of House Fires<\/a> (Oct. 16, 2024).<\/p>\n\n\n\n<p>Natalie Todoroff and Jessa Claeys for <em>Bankrate<\/em>: <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/does-homeowners-insurance-cover-snow-damage\/\" target=\"_blank\" rel=\"noreferrer noopener\">Does Homeowners Insurance Cover Snow Damage<\/a>? (Apr. 1, 2025).<\/p>\n\n\n\n<p>Sarah Schlichter for <em>NerdWallet<\/em>\u2122 from NerdWallet, Inc.: <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/understanding-homeowners-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance \u2013 What Is Homeowners Insurance, and What Does It Cover<\/a>? (updated Sep. 5, 2024).<\/p>\n\n\n\n<p><em>Deeds.com<\/em>:<a href=\"https:\/\/www.deeds.com\/articles\/the-resilient-deed-what-property-buyers-should-know-about-climate-weather-and-insurance\/\">The Resilient Deed \u2013 What Property Buyers Should Know About Climate, Weather, and Insurance<\/a> (May 12, 2025).<\/p>\n\n\n\n<p>And as linked.<\/p>\n\n\n\n<p>More on topics: <a href=\"https:\/\/www.deeds.com\/articles\/climate-risks-and-insurance-the-struggle-continues\/\">Climate risks and insuring your home<\/a>, <a href=\"https:\/\/www.deeds.com\/articles\/buyers-dont-forget-to-include-homeowners-insurance-in-your-budget\/\">Budgeting for home insurance<\/a><\/p>\n\n\n\n<p>Photo credits: <a href=\"https:\/\/www.pexels.com\/photo\/autumn-leaves-on-rustic-roof-in-fresno-29580450\/\" target=\"_blank\" rel=\"noreferrer noopener\">James Lee<\/a> and <a href=\"https:\/\/www.pexels.com\/photo\/firefighter-on-building-roof-6357619\/\" target=\"_blank\" rel=\"noreferrer noopener\">Styves Exantus<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Winter weather can damage your roof, plumbing, or other aspects of any home you own. Are you prepared?<\/p>\n","protected":false},"author":2,"featured_media":6947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[131],"tags":[301,2926,2922,1578,2923,2925,2927,1717,2924,2921,2920],"class_list":["post-6946","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-home-insurance","tag-home-protection","tag-homeowners-insurance-checklist","tag-insurance-coverage","tag-insurance-discounts","tag-insurance-endorsements","tag-plumbing-freeze-prevention","tag-property-insurance","tag-roof-inspection","tag-winter-home-maintenance","tag-winter-storm-damage"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Winter Is Coming\u2026Are You Covered? 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