There seems to be a lot of severe winter weather around the country this winter. Blizzards, ice storms, and snow in Atlanta and Florida.

Severe cold can mean big problems for property owners. Homeowners need to understand how their insurance covers some of these major perils.

Most homeowner’s policies do not cover the weight of ice, sleet, or snow damage to docks or walkways.

As we learned a few years ago, heavy and wet snow and ice can do major damage to docks.

Grand Lake dock in winter

Are you covered when things start icing up on your dock?

So you need to know your coverage and take preventative measures if you can remove snow from your dock before it becomes excessive.

What about inside your home…like a lakefront home at Grand Lake that isn’t occupied much during the winter months.

Some policies only offer limited coverage for water damage. If your pipes freeze and bust this can result in thousands of dollars worth of damage to your home and its contents.

If you are away from your home for an extended period this time of year you really should turn off your water.

This can help prevent major water damage. Also, make sure to leave cabinet doors open under sinks during very cold weather and keep the heat in your home on when the outside temps drop below 10 degrees.

Did you know that homeowners insurance will not cover generator expenses during power outages unless the lines are actually down on your property?

There are few things a homeowner can do to prevent these types of losses but if you notice low hanging trees in power lines near your home notify your electric provider.

Taking a few of these steps may help you out the next time old man winter decides to throw another storm at us…which he seems to be getting ready to do again at Grand Lake.

To find out more about your coverage, contact Randy at Webb Insurance Agency at (918) 786-8787.