If you own a house, you are responsible for maintaining the home and keeping up with the necessary repairs it needs. As winter approaches, one thing you should make sure you do is find ways to keep your roof free of snow. Snow on a roof poses risks, and here are several things to understand about this and your home insurance.
The risks of snow on your roof
Snow is a normal part of winters in many areas, and it is something that will land anywhere it wishes, including on the roof of your house. In most cases, snow that lands on a roof will melt, simply from heat that is extracted from a house, but this does not always happen, especially when it snows a lot and keeps snowing a lot. When there is snow on a roof, it can be very heavy, especially if the snow is the type that is dense. If enough snow piles up on your roof, it could be so heavy that it causes your roof to collapse. Additionally, snow that melts can create ice dams on a roof, and these too can damage a roof.
Ways to keep your roof free of snow and ice dams
If you want to prevent problems like this from occurring, you should make sure you care properly for your roof. If your roof has issues, fix them. Keeping up with the maintenance of your roof can make a big difference. Secondly, if you find that there is a lot of snow on your roof, hire a company to remove it for you. You should never attempt to get on your roof yourself when there is snow present, as this is a big risk. You should also make sure your gutters are working properly and that your foundation is waterproofed. If a company removes all the snow by melting it off, you will have a lot of water to contend with. If your gutters are not working properly or if your basement or crawlspace is not waterproofed, this could lead to water in your home.
How insurance agents handle claims due to snow
Even if you take all the necessary steps to protect your house, there is still a chance you could experience damage from snow or other elements of nature. If you do, contact your homeowner's agent right away to work on filing a claim for the damage.
Keeping your home safe and reducing the risks of damage is up to you as the homeowner of the house. If you have questions about this or about your home insurance, talk to an agent today.