Homeowners should take the following precautions:
Standard homeowners and renters policies cover winter-related disasters such as burst pipes, ice dams and wind damage caused by weight of ice or snow, as well as fire-related losses. Coverage for flooding is available from the National Flood Insurance Program and from some private insurance companies.
Damage to homes caused by flooding is usually excluded from most standard homeowner policies. Flood insurance is available from theNational Flood Insurance Program. Ask your insurance professional about flood insurance, as well as specific advice about winter-proofing your home.
Flooding related to melting snow can overburden sewer systems, causing raw sewage to back up into the drains in your home. Backed up sewers can wreak havoc, causing thousands of dollars in damage to floors, walls, furniture and electrical systems. Sewer back-up is not covered under a typical homeowners or renters insurance policy, nor is it covered by flood insurance. This type of coverage must be purchased either as a separate product or as an endorsement.