Winters seem to be getting more and more unpredictable as the climate changes. Unlike the past, it seems like the winter weather is happening into other seasons. We as homeowners and drivers have to be more alert to what’s happening around us and how it effects our homes and automobiles. Here are eight hazards that could ruin your Spring before you can enjoy it.
While the state prepares for the snow by laying salt on the roads, it ultimately starts to deteriorate the asphalt causing craters that not only make it dangerous to drive around but gut wrenching if you happen to drive into one. Ensure your car’s collision coverage protects your car from damages caused from pesky potholes.
New Jersey (so far) has not had a ton of snow this Winter, but we have had a lot of rain. That rain might be too much for your gutters if they are not cleaned out before the colder seasons start. Not only is your roof open to water seeping in if it’s old or missing shingles but your house is at risk for water damage from the ground not being able to soak up all the rain. Calling your insurance company to review the details of your policy can prevent unforeseen costs later.
Did you know that if a snowstorm crushes your landscaping that it’s NOT covered by your homeowner’s insurance. That is considered home maintenance.
The freezing and thawing of severe ice and snow could encourage cracks in your driveway come springtime. But those cracks are considered wear and tear, so you probably won’t be able to make an insurance claim for damage under a basic policy. Never assume something is covered, either talk to your insurance representative or read your policy.
Springtime storms can bring hail that destroys siding and roof shingles. Fortunately, homeowners are usually protected under their home insurance policies. If a window breaks because of a storm, that’s typically covered too, along with resulting water damage.
Cars that drive through winter snow may become damaged due to the salt that’s used to help melt snow that’s fallen on busy streets. However, if the salt causes rust-related damage to your car, it’s usually considered wear and tear, and isn’t covered under typical auto insurance policies.
The good news? Rust damage isn’t as much of a problem with newer cars as it was in the past, but to be on the safe side, he recommends thoroughly washing any vehicle that’s exposed to salt or other potentially corrosive substances now that spring has arrived.
If a snowplow operated by your local government takes out your mailbox or dings your car, your municipality would likely have a procedure in place for reimbursement. If this happens to you, he suggests checking with your local jurisdiction to learn how to file a claim.
If it’s your neighbor who damages your property with their snow removal equipment, they (and their homeowners insurance company) would likely have to pay.