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Weather forecasters are usually able to predict blizzards a day or two in advance and people who live in areas prone to this type of weather know to expect a big storm or two (or more) each year. Still winter storm prep is important and shouldn’t be overlooked just because these storms occur regularly. A little winter storm preparedness can go a long way toward protecting you, your family and your belongings. With an estimated 12.7 million homes impacted by winter storm damage causing $15 million in damage (PDF), it’s definitely better to be over-prepared than under-prepared.
Winter storms can take hours or even days to get to full strength, so part of your winter storm prep should be learning what the various terms used by weather forecasters mean, according to the National Weather Service.
You won’t see blizzard insurance or winter storm insurance available for purchase, but there are parts of your homeowners policy that will cover these weather conditions. Make sure that your policy has sufficient coverage in the following sections.
Winter storms mean staying at home whenever possible, so winter storm preparedness means getting your home ready for what could be a long stretch of not going outside. It’s important to prepare both the structure of your home to survive the weather and the inside of your home for comfort.
Things to do for winter storm prep:
Stay home. Ideally you will have had enough time to stock up on food, prescription medications and other necessities as well as prepare your house to withstand the snow and ice. During the storm you can sit back, relax and ride it out from the comfort of your sofa.
If you must travel during this time, take your time. One person driving 70 mph on the highway does not mean that it’s safe to travel at that speed. Go only as fast as you feel comfortable but remember to stay on appropriate roads, don’t drive 15 mph on the highway when everyone else is going 50 mph, and use your hazard lights so that people see you and are aware of your lower speed. Keep your car stocked for an emergency as well. Here are some recommended items to keep in your car during the winter:
After a storm you should carefully assess damage. Only do this if you’re able to do it safely. If you’re unable to do it safely, stay inside until you can. Check your home’s exterior for damage as well as other structures on the property, sidewalks, paths, driveways and trees. Pay attention both to major damage that has already occurred (e.g., a tree branch that broke a window) and damage that you might be able to prevent (e.g., a tree that’s wind-damaged and might fall in the future).
Stay safe by wearing appropriate clothing while outside. Wear warm clothes that will protect you from the elements and boots with good grip.
Most standard homeowners insurance policies will cover winter weather damage. If you’re concerned about your level of coverage, a member of the VIU by HUB Advisory Team would be happy to talk to you about what coverage is recommended for your specific circumstance , how your policy measures up and if you should consider additional coverages including an umbrella policy. Consider the call part of your winter storm prep.
