Cold Weather Problems: Finding the Right Insurance Policy for Your Home and Vehicle
In late 2017 and early 2018, many South Texas residents found themselves in an unfamiliar situation: dealing with long stretches of near-freezing temperatures. This year began with temperatures dipping into the 30s during the first four days of January alone! Even snowfall was reported in many parts of the state. The cold weather can take its toll on your home and vehicle(s), which is why this winter has been an excellent reminder that having all properly insured is more important than ever.
Protecting Your Home
Protecting a home should be one of the most important responsibilities for everyone. When temperatures dip, your humble abode can face some serious damages. Fortunately, in Texas, it doesn’t snow often, however, if it does, the immense weight of ice on a ceiling can cause some serious headaches. One is a collapsed roof. These structures can cost tens of thousands of dollars to restructure or repair.
Frozen pipes are another problem. They can cause ruptures, resulting in water damages in your home. Heavy winds are also a hazard as they can cause trees, already weakened due to the weather, to collapse or break apart, resulting in property damage. Do the right thing and ensure that your home is properly covered with an insurance policy.
If you live in an area that’s affected by cold and severe weather on a regular basis, your insurance provider may ask that you take certain precautions to prevent further damage. Some of the previsions you can make to prevent winter damage to your home can include:
- Cleaning out gutters and disconnecting water hoses.
- Sealing doors and windows with a weather stripping kit.
- Insulating walls and an attic if you have one.
- Removing any loose branches hanging over your home.
- Covering your home’s water heater with an insulated blanket. However, make sure that this is done by a professional.
- Shutting faucets to prevent any freezing pipes.
Being Safe on the Road
The cold season can create unpredictable and dangerous driving conditions, but there are a few steps you can take to make your vehicle safer for the road. According to the Texas Department of Transportation, during cold and wet circumstances, people should always drive slower. Speed limits are set for normal driving conditions, so when weather gets serious, be careful.
Also, in wet and slick conditions, slow down when coming up to bridges, ramps and overpasses. These areas tend to freeze first. And finally, make sure that your car’s insurance is up-to-date.
Protecting what Matters
At Shepard Walton King, we know that your home and vehicle(s) will be one of the biggest investments you’ll make, which is why we want to help you secure them with an insurance policy. Contact our insurance agency in McAllen today to set up an appointment to create a calculated insurance plan that’s catered to your family’s needs.
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