Spring Insurance Hazards: ARE YOU COVERED?

Springtime is the season of warmer temperatures, melting snow and soothing rain showers. While the mild weather is refreshing, it can also reveal damage inflicted by a long, cold and snowy winter. In addition, spring floods and hail damage can be the source of new headaches. These problems are common, but home and auto insurance policies don’t always cover them. Here are spring hazards that may or may not be covered by standard policies.

Springtime is the season of warmer temperatures, melting snow and soothing rain showers. While the mild weather is refreshing, it can also reveal damage inflicted by a long, cold and snowy winter. In addition, spring floods and hail damage can be the source of new headaches. These problems are common, but home and auto insurance policies don’t always cover them. Here are spring hazards that may or may not be covered by standard policies.

Spring Flooding – When winter snow starts to melt, rivers and creeks may rise. Mix in some spring rains, and there is potential for flooding in many parts of the country. While a standard home insurance policy covers water damage from sudden occurrences – such as burst pipes – it will not cover destruction related to spring floods.

Ice Damage – When wintry snow or rain falls, melts and refreezes on rooftops, ice on shingles can form a dam that causes subsequent snow melt or rainwater to back up. These backups may allow water to leak into the home and ruin walls. Fortunately, you can usually file a claim with your homeowners insurance.

Pothole Damage – Driving through a pothole may ding up your car or cause damage, but you’re typically covered when you have collision coverage with your car insurance.

Cracked Driveways – The freezing and thawing of severe ice and snow could encourage cracks in your driveway come springtime. But those cracks are considered wear and tear, so you probably won’t be able to make an insurance claim for damage under a basic policy.

Hail Damage – Springtime storms can bring hail that destroys siding and roof shingles. Fortunately, homeowners are usually protected under their home insurance.

Rust Damage From Salt – Cars that drive through winter snow may become damaged due to the salt that’s used to help melt snow that’s fallen on busy streets. However, if the salt causes rust-related damage to your car, it’s usually considered wear and tear, and isn’t covered under typical auto insurance policies.

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The Agent Insurance Services | (330) 758-3339

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