02/10/2026
❄️ Winter Claims: Myth vs. Reality 🏠
Think your home insurance covers everything winter throws your way? Believing common myths can lead to expensive surprises when it’s time to file a claim. Let’s set the record straight:
❌ Myth: "A frozen pipe is always covered by my insurance." ✅ Reality: Most policies only cover damage from frozen pipes if you took "reasonable steps" to prevent them. If you leave your home unattended without draining pipes or keep your heat too low (below 13°C/55°F), your claim could be denied.
❌ Myth: "Standard insurance covers all types of water damage." ✅ Reality: Sudden damage from a burst internal pipe is typically covered, but flooding from snowmelt or external rising water usually requires a separate flood policy.
❌ Myth: "If snow or ice damages my roof, it’s an automatic approval." ✅ Reality: Insurance covers sudden accidents, like a roof collapse from heavy snow weight. However, if the damage was caused by a long-term leak or a roof that was already in poor condition, your insurer may consider it a "maintenance issue" and decline the claim.
❌ Myth: "My home is protected while I'm away on vacation." ✅ Reality: Many insurers require someone to check on your home every few days (or even daily) during the winter to ensure the heat is still on. If a pipe bursts while you're away and no one was checking in, you might be out of luck.
Don’t let a myth cost you thousands. 🛡️ The best protection is being proactive. Have questions about what your specific policy covers? Give us a call today!
📞 507-216-0122 💻 www.six-ins.com
Mike Sick of SIX Insurance, we specialize in providing you with the best possible insurance solutions. With over 15 years of experience, you can trust that we have the knowledge and expertise necessary to help you compare rates from different carriers and find the coverage that's right for you!