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Homeowners Insurance

Snowmelt Prevention Tips

Reduce your chances of significant property damage.

February 19, 2024

When temperatures fluctuate dramatically during winter and when spring’s warm temperatures arrive, the accumulating water from melting snow and ice—also known as snowmelt—can lead to significant property damage.

Don’t let snowmelt wreak havoc on your home. Review the following guidance for snowmelt prevention recommendations.

  • Clear snow from your home’s foundation. Shovel snow away from your home, including stairwells, window wells, downspouts and doors, to help prevent water from seeping through cracks.
  • Maintain your roof and gutters. Any heavy snow that has accumulated on your roof should be cleared away to avoid water damage. Keep your gutters clear of debris to prevent ice dams—melted snow that refreezes at night, causing gutter clogs.
  • Ensure proper drainage. Ensure your downspout drains away from your home and keep street storm sewer drains clear of snow to prevent buildup and freezing.
  • Check your sump pump. Test to see that your sump pump is in good working order in case your home experiences flooding. If you notice any small leaks, take care of them before they become a bigger hazard.

Qualified contractors can help you in the most crucial areas of your home, including plumbing and heating. If you are unsure how to remove snow from your roof, fix a leaky pipe, seal windows and doors, or test your water heater, contact a professional to ensure you and your home stay safe from harm.

In addition to using a qualified contractor to assist with home maintenance and repairs, contact the insurance professionals at Hylant to ensure your home will be adequately covered in the event of potential damage.

Discuss Flood Insurance with Your Broker

In addition to snowmelt causing potential issues in the winter and spring, flooding is becoming an important consideration for homeowners nationwide. If it rains where you live, it also can flood there—any time of the year. There are three crucial points to understand about flood insurance:

1. A standard homeowner's policy doesn’t cover flood damage.

2. Flood insurance must be purchased separately.

3. Flood policies don’t take effect immediately. Usually, there is a waiting period of between 10 and 30 days.

Read our blog to learn more about flood insurance works.

Related Reading: How to Prepare for Natural Disasters and Manage Risks

The above information does not constitute advice. Always contact your insurance broker or trusted advisor for insurance-related questions.

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