#United States #Los Angeles #Mercury Insurance #winter storm #Water Damage

Protecting Your Home After Winter Storms: Essential Steps

As communities across the United States begin to recover from harsh winter storms characterized by snow, ice, and frigid temperatures, it's crucial to take immediate preventive actions to safeguard homes and businesses. Mercury Insurance, a prominent player in the insurance sector, has encouraged property owners to adopt smart strategies to mitigate risks, particularly concerning water damage, which is a prevalent issue following such climatic events.

Importance of Proactive Measures

The recent storms may have passed, but the fluctuating temperatures present ongoing challenges that can expose homes to water damage. Frozen pipes are notably at risk; as they thaw, they can crack, leading to water leaks. Snow accumulation can also obstruct ventilation and place stress on structural components of buildings. Adding to this, improper use of generators can pose significant health risks, particularly through carbon monoxide exposure. According to Bonnie Lee, Vice President of Property Claims at Mercury Insurance, it's imperative not to underestimate the recovery phase that follows the storm. She notes, "Recovery doesn't end when the snow stops falling. Taking a few proactive steps now can help prevent minor issues from turning into major disruptions for families and businesses."

Guidelines for Property Owners

To help with the recovery process, Mercury Insurance has collaborated with the Insurance Institute for Business & Home Safety (IBHS) to provide recommendations for property owners. Here are key steps they suggest:

1. Know Your Main Water Shutoff Valve: Familiarize yourself with the location of your primary water shutoff valve. This is critical, as a frozen pipe can create internal pressure and lead to leaks when temperatures rise and the ice begins to melt. If you notice changes in water pressure, reduced flow, or unexplained moisture, it's essential to turn off the water supply immediately and consult a licensed plumber.

2. Clear Snow Safely and Early: Remove snow build-up from walkways, driveways, and around exhaust vents. This ensures safe airflow and access to essential areas of your home.

3. Address Snow Accumulation on Structures: Heavy snow can cause ice dams and structural stress on roofs, garages, and sheds. Engaging licensed professionals to remove roof snow can reduce the risk of injuries and further property damage.

4. Use Generators with Caution: Always operate portable generators outdoors, as they emit carbon monoxide. Ensure they are situated far from windows and doors to prevent exposure.

5. Document Damage Promptly: If your property experiences damage, take photos or videos immediately. This documentation will be valuable when contacting your insurance agent for claims.

Understanding the Risks

Sarah Dillingham, Senior Meteorologist at IBHS, highlights the stealthy nature of interior water damage. "Interior water damage often starts quietly — behind walls or in attics — and escalates quickly," she explains. Recognizing where vulnerabilities lie and taking early action is crucial to prevent more extensive damage, especially as conditions fluctuate after a winter storm.

It's noteworthy that interior water losses are among the most frequent insurance claims filed across the nation, particularly after freezing events that stress plumbing systems due to rapid changes in temperature and potential power outages.

Final Thoughts

In the aftermath of winter storms, maintaining vigilance and adopting a preventative mindset can speed up the recovery process and minimize costs associated with property damage. Mercury Insurance urges all property owners to focus on prevention through making informed decisions during these challenging times. For additional resources and recovery tips, visit ibhs.org/winterready.

Mercury Insurance has been serving customers since 1962, providing multiple lines of insurance, including auto and homeowner's coverage, through a network of independent agents. With a commitment to quality service and competitive rates, Mercury continues to be a reliable partner for homeowners across various states.