Tips to Protect Yourself Against Winter Home Hazards

Don’t let liability risks get the best of you this winter.

As a homeowner, it’s important that you take steps to reduce the chances of a personal liability claim being filed against you.  However, during the winter months, you may have to take even more precautions to address winter weather hazards.  Here are some of the steps that you can take to reduce your personal liability risks this winter.

  • Shovel Your Walkways

While shoveling snow is no one’s idea of a good time, it’s important that you keep up with this winter home maintenance task.  If you allow snow to pile up around your property, you are increasing the chances of someone slipping, falling, and injuring themselves.  Should this happen to you, then you might find yourself on the receiving end of a major liability claim.  By shoveling and de-icing your home’s walkways, you can reduce your liability risk this winter.

  • Remove Ice and Snow from Your Roof

Another way to address a major liability risk is by removing the ice and snow that builds up on your home’s roof.  While icicles and sparkling piles of snow may look picturesque, they can cause serious injuries or property damages when they fall.  Not only will removing this ice and snow from your roof reduce your liability risks, but it will also reduce the chances of your home sustaining physical damage this season.

  • Trim Your Trees

Between heavy accumulations of snow and windy weather conditions, your trees are more likely to sustain damage during winter than any other time of the year.  Unfortunately, this damage could cause full limbs to fall.  If a branch fell from one of your trees and injured someone or caused property damage, then you would be held liable for the losses.  To prevent this from happening to you this winter, make sure you inspect your trees and trim back any branches that hang over your yard, driveway, walkways, and so on.

These are some of the precautions you should take around your home to reduce your personal liability risks this winter.  Are you looking for another way to protect your home this season?  Then make sure you have the proper homeowners insurance in place.  For assistance with all your home coverage needs, contact the experts at Robert J. Los Insurance Agency in Hamburg, New York today.

Give us your questions, feedback and opinions on this topic.