Winter Weather Coverage Quiz

According to the Insurance Information Institute, winter storms are the third largest cause of insurance claims. Do you know what situations are covered?*

1. Each winter, you close up your northern home and head to a warmer climate. While you’re basking in the sun, a pipe in that home bursts. Are you covered?

If you’re a snowbird, your best bet is to have someone you trust stop in and check your house periodically while you are away for the winter. In addition, check with your agent before you leave to make sure your home is properly insured.

2. You slid through an icy intersection, which caused an accident. Are you covered for damage?

If you are at fault, you will be covered under your liability policy for damages you cause others, depending on accident details. Your vehicle’s damages should be covered under your collision coverage.

3. Your car slid off to the side of the road. It took out a neighbor’s mailbox and damaged your wheel well. Are you covered?

If you are at fault for sliding, your liability policy will cover damage to your neighbor’s mailbox, and your collision coverage would pay to fix your car.

4. The weight of ice on a tree branch causes it to break off and hit your house. Are you covered?

You are most likely covered for damage to your house and any personal property, and for removal of the tree.

*These situations are generalized to illustrate common winter issues. Actual coverage for any situation can only be determined by its particular facts.

If you were surprised by anything, call your Shelter agent. They’re always happy to help clarify your coverages. Scott Comiskey, Bella Vista, 479-855-7774; Matthew Hillis, Bentonville, 479-273-7793; Jamie Carter, Bentonville, 479-845-3657; Chris Taylor, Gravette 479-787-5421; Sean Garrison, Rogers, 479-621-0555; Derek Wardlow, Rogers, 479-631-0899