COLUMBUS – Central Ohioans who are looking forward to relief from this winter’s snow and bitter cold are also being reminded that, while the warmer weather in this weekend’s forecast may mark the end of some troubles, it may mean the beginning of others.
Water — and the freezing and thawing thereof — accounted for nearly a third of homeowner insurance claims in the U.S. and averaged $8,861 per incident between 2011 and 2015, according to the Insurance Information Institute.
“Area residents digging out from the most recent snows should take a quick look around their home,” said David McMullen, vice president of Insurance and Financial Services for AAA Ohio Auto club. “Take a special look at drains, gutters and basement entrances to help prevent flooding and water damage.”
Sunshine is expected to return Friday with temperatures above the freezing mark. This weekend will be mild with highs in the mid to upper 40’s, rain on Sunday and Monday with highs near 50, according to WBNS 10-TV meteorologist Jeff Booth.
The rain, along with melting snow, could lead to some flooding early next week, he said.
Common problems when ice and snow begin to thaw:
Ice dams: Frozen or clogged gutters that force melting water into roofs. When they melt, water drips into the home and can cause significant damage. USUALLY COVERED
Burst/frozen pipes: USUALLY COVERED
Basement flooding from melting snow: Considered a maintenance problem. MAY NOT BE COVERED
Sewer and drain back-up: While typically NOT COVERED, consumers can purchase water and sewer back-up endorsements
-Source AAA Ohio
Winter storms are the fourth-largest cause of catastrophe losses, resulting in an average of $1.5 billion in insured losses annually.
Melting snow and ice can led to costly water damage. This may come in several forms, and not all are covered by a standard homeowners’ insurance policy, McMullen cautions.
“Generally, water that comes from the top-down, such as rain and snow, is typically covered by homeowners insurance. Water that sneaks in from the bottom-up, however, may not be covered,” he said.
To help prevent costly damage, McMullen says consumers should clean snow and ice from basement windows, exterior drains, gutters and downspouts; make sure drains send water away from homes; ensure important items in basements are stored in plastic bins and placed on shelves; and, check that sump pumps are functioning.