The Most Common Winter Claims in Northeast Ohio and How to Reduce Your Risk

Winter in Northeast Ohio is not just about snow days and hot coffee. It is also peak season for insurance claims. Freezing temperatures, heavy snow, and ice create the perfect conditions for costly damage to homes, vehicles, and personal property. The good news is that many winter weather claims are preventable with a little preparation and awareness. Understanding the most common winter claims and how they happen can help you protect your home, avoid unexpected expenses, and reduce the chances of filing a claim when winter weather strikes.

Frozen and Burst Pipes

One of the most frequent and expensive winter insurance claims involves frozen or burst pipes. When temperatures drop below freezing, water inside pipes can freeze, expand, and cause pipes to crack or burst. Once the ice thaws, water can quickly flood walls, floors, and personal belongings.

This often happens in unheated areas such as basements, crawl spaces, garages, or exterior walls. Vacation homes and houses left unattended during cold snaps are especially vulnerable.

To reduce your risk, keep your home adequately heated, even when you are away. Open cabinet doors under sinks to allow warm air to circulate around plumbing. Insulating exposed pipes and sealing drafts around windows and doors can also make a big difference. If you plan to travel during winter, consider having someone check on your home or installing a smart thermostat and leak detection system.

Roof Damage and Ice Dams

Heavy snowfall is common in Northeast Ohio, and when snow piles up on your roof, it can lead to serious problems. Ice dams form when snow melts on warmer sections of the roof and refreezes near the edges. This creates a barrier that prevents melting snow from draining properly, forcing water back under shingles and into your home.

Ice dam damage often results in roof leaks, damaged insulation, stained ceilings, and even mold growth. Many homeowners do not notice the issue until water damage appears inside.

Preventing ice dams starts with proper attic insulation and ventilation, which help keep roof temperatures consistent. Safely removing excess snow from your roof after heavy storms can also reduce risk. Make sure gutters are clear before winter begins so melting snow can drain properly. Addressing small roof issues early can help prevent a much larger claim later in the season.

Slip and Fall Injuries on Your Property

Snow and ice do not just threaten your home. They can also create serious liability risks. Slip and fall injuries on icy walkways, driveways, or steps are among the most common winter-related liability claims.

If a guest, delivery driver, or neighbor slips on your property, you could be held responsible for medical expenses and legal costs. Even minor falls can lead to expensive claims.

Reducing this risk requires consistent maintenance. Shovel sidewalks and driveways promptly after snowfall. Apply ice melt or sand to slick areas, especially around entrances, steps, and high-traffic walkways. Make sure outdoor lighting works properly so hazards are visible during early morning and evening hours.

Be Proactive Before Winter Claims Happen

Winter weather claims often come down to preparation. Taking a few preventive steps before and during the winter months can significantly reduce your risk of damage and injury. It can also help keep your insurance premiums stable by avoiding frequent claims.

If you are unsure what your homeowners or auto insurance policy covers during winter weather events, now is the perfect time to review it.

If you have questions about winter-related risks, coverage, or ways to better protect your home, contact your Hertvik Insurance Group agent today. We are here to help you stay protected all season long.