Winter is ComingNovember 04, 2022
Like it or not, colder weather is bearing down on Missouri. As we press on toward winter, make sure
your property is prepared and your insurance policy is equipped to provide
coverage in the event of a winter weather loss.
· Always maintain heat during winter months, even in vacant dwellings/businesses. If you are going to be away
from your home, you can reduce the heat so it won’t run as much, but ensure
it’s not too low, as water lines in exterior walls could freeze in times of
extreme wind chill or temperature drops.
· Winterize your pipes when possible and, again, maintain heat at an appropriate level; simply leaving
it above freezing will most likely not be sufficient. Freezing pipes and the
resulting damage may not be a covered loss under certain types of insurance
policies. In addition, policies that do contain coverage for the peril of
freezing may not cover loss that results from your failure to maintain heat or
properly winterize the structure.
· Turn off the water and winterize the lines at your home if you’re leaving for a few days. This can
mitigate the possibility of a water-related loss while you are away.
Check with your insurance company or agent if you need help understanding your policy, and
brace yourself for winter!
This information is meant to be a broad overview and should not be the only source you consult
for evaluating insurance coverage or purchase. The description of coverages and
programs are purposely brief and are subject to specific policy provisions,
limitations and exclusions that can only be expressed in the policy itself. For
a complete explanation of coverages, please consult one of our licensed agents.