Snow and Ice Can Reek Havoc on Your Home & Property

Leber Insurance Group is the Premier Home Insurance Broker in Newtown PA, Bensalem PA, Southampton PA, Warminster PA, Yardley PA, Langhorne PA, Richboro PA, Holland PA, Bucks County, Montgomery County, and the Greater Philadelphia Area

Snow and ice may look harmless at first, but during the winter months they can quietly cause serious damage to your home and property. From roof stress to frozen pipes and slip hazards, cold weather brings a unique set of risks that every homeowner should understand. At Leber Insurance Group, we believe preparation and proper homeowners insurance coverage are the keys to protecting your biggest investment when winter weather strikes. 

One of the most common winter threats is snow accumulation on your roof. Heavy, wet snow can place significant strain on roofing materials and structural supports. Over time, this weight can lead to sagging, leaks, or even partial roof collapse. Ice dams are another major concern. When snow melts and refreezes along the roof’s edge, water can back up under shingles and seep into your home. This can cause interior water damage, mold growth, ruined insulation, and damaged ceilings or walls. Ensuring your homeowners insurance policy includes coverage for water damage caused by ice dams is essential. 

Frozen pipes are another winter hazard that can wreak havoc on your home. When temperatures drop, water inside pipes can freeze, expand, and cause the pipes to burst. A burst pipe can flood your home in minutes, damaging floors, walls, furniture, and personal belongings. Many homeowners don’t realize how costly this type of damage can be until it happens. Proper coverage for sudden and accidental water damage is critical, and taking preventative steps such as insulating pipes and maintaining consistent heat can help reduce the risk. 

Snow and ice can also create dangerous conditions around your property. Slippery driveways, walkways, steps, and entryways increase the risk of slips and falls. If a guest, delivery driver, or neighbor is injured on your property, you could be held liable. Liability coverage within your homeowner’s insurance policy plays a crucial role in protecting you from legal and medical expenses related to accidents. Making sure your policy limits are sufficient is especially important during winter months when accidents are more likely to occur. 

Another often-overlooked issue is damage to exterior features such as gutters, siding, decks, and fences. Ice buildup can pull gutters away from your home, leading to drainage issues and water damage once the snow melts. Repeated freezing and thawing can crack masonry, concrete, and pavement, resulting in costly repairs come spring. While some wear and tear may not be covered, sudden and accidental damage from winter storms often depends on your policy. 

Winter storms can also bring strong winds, heavy snowfall, and power outages. Fallen trees and branches can damage roofs, vehicles, sheds, and other structures on your property. Power outages increase the risk of frozen pipes and may cause food spoilage or damage to electronics. Reviewing your homeowner’s policy to understand what is covered during winter storms can help eliminate surprises when you need to file a claim. 

This is where working with an experienced insurance broker makes all the difference. Leber Insurance Group is the premier homeowner’s insurance broker serving Newtown, Bensalem, Southampton, Yardley, Langhorne, Richboro, Holland, and communities throughout Bucks County, Montgomery County, and the Greater Philadelphia Area. As an independent broker, we shop multiple top-rated insurance carriers to find coverage that fits your home, your risks, and your budget. We don’t believe in one-size-fits-all policies, especially when it comes to protecting your home during winter. 

Preparing your home for snow and ice goes hand in hand with having the right insurance coverage. Simple steps such as clearing gutters, sealing drafts, insulating pipes, maintaining your heating system, and promptly removing snow from walkways can reduce your risk of damage and liability. Pairing those efforts with a comprehensive homeowners insurance policy ensures you are protected if winter weather causes unexpected problems. 

Winter can be unpredictable, but your insurance coverage doesn’t have to be. If you’re unsure whether your current policy fully protects you against snow and ice-related risks, now is the perfect time to review your coverage. Leber Insurance Group is here to help you navigate your options, explain your coverage, and make sure your home and property are protected all winter long. When winter weather hits, you can have peace of mind knowing you’re prepared for whatever the season brings. 

Contact Leber Insurance Group today to schedule your free insurance review and Quote to see how much you could save on your auto insurance. Let us help you drive with confidence knowing you’re protected by the best coverage at the best rate possible.  

Leber Insurance Group: your trusted partner for Auto Insurance in Newtown, PA, and beyond. 

More ways to contact: call 267-291-7925, email info@leberinsurancegroup.com or click to Contact Us!