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Common Winter Weather Risks Homeowners Face

The winter months are upon us! This time of year brings with it the chance of snow, rain, sleet, and ice. During the winter months, homeowners in colder climates are faced with a variety of risks. From wind damage and frozen pipes to snow and ice buildup on roofs, winter weather can present many challenges for residential property owners. To help you prepare and protect your home this season, the Nowell Agency has compiled some tips that will help ensure that your family is safe and happy all year round. With just a little planning and preventive steps on your part, you’ll be able to sit back, relax, and sip some hot chocolate while enjoying the winter weather!

What Risks do Homeowners Face in Winter?

Snow and ice risks for homeowners are some of the most important considerations. In the winter, snow and ice can cause a number of hazards to your home. From slippery sidewalks to icicles and snow buildup on your roof, it’s important that you’re mindful of what might happen this time of year and how you can protect your property and those on it from these risks. Freezing pipes can wreak havoc on your wallet, as can roof damage from wind, falling trees, snow buildup, or ice. Wind damage is another factor to consider for both your property and home.

One of the most pervasive winter risks for homes is water damage. Heavy rainstorms can cause flooding and structural damage that is costly to repair. Having the proper home insurance policy means that you’re covered for these dangerous conditions.

insurance for weather risks for homes

How to Protect Your Home for Winter

Damage to your home or property may increase your homeowner’s policy cost, not to mention the out-of-pocket expenses these damages may incur. To keep costs down and to avoid expensive destruction, watch your property closely. A little preventive work goes a long way!

The best way to protect your home against winter weather risks is by having your home inspected every few years for damages that may be caused by weather-related events such as hail storms or heavy rains. These events may be causing seepage into your home due to cracked foundation walls. Also, look out for any cracks or leaks in pipes that may occur from freezing! If you notice any protrusions or bulges in piping, contact a licensed plumber immediately to avoid costly repairs down the line. Keep an eye on roofing, for snow or ice accumulation, as well as falling branches or other debris from wind storms that could be destructive to your roof.

Most importantly, choose a home insurance policy that covers winter damage, leaving no gaps. The best homeowners insurance for winter needs to cover:

  • Roof damage caused by the weight of ice, snow, or sleet
  • Water damage from heavy rainstorms
  • Flood insurance
  • Burst pipes due to freezing temperatures
  • Wind damage, such as fallen trees and other debris
  • Personal injuries in your home or on your property
  • Damage from ice dams

Best Homeowners Insurance Near Me

If you don’t know where to turn for help with insuring your property against these winter risks, contact Nowell Agency today! Our experienced agents are ready to assist you in obtaining comprehensive home insurance and flood insurance to protect your home during the winter season. Call today and get homeowners coverage you can count on!


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    The Nowell Agency has been my primary agent for many years and they are attentive, well-staffed, and easy to talk to. Their agency has helped me through state to state moves and career change and kept my assets covered.

    James G.

    My very first insurance experience was when I bought my first house and I called the Nowell agency for a quote. I had no idea what I needed or how much and they were so very kind and knowledgeable and explained everything to me in detail which I so much appreciated. That has been 4 years ago and im still a customer never plan to leave.

    Ashleigh D.

    I have been very pleased with the quick and professional service by the Nowell agency. My agent was very efficient at locating a policy that met my needs and budget. Thank you to Kristy and the Nowell agency for providing me with fantastic customer service. I highly recommend this agency. You will not be disappointed.

    Tripp W.


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