Make Sure your Halifax Home Insurance is Adequate

Real Estate Sales Representative with Sutton Group-Professional Realty

Homeowners InsuranceAccording to the calendar, spring is right around the corner. However, you wouldn't know it with the cold bite that is still in the air. Between the frigid temperatures and heavy snowfall we have experienced this winter, it's worth looking at your Halifax home to consider the effect this cold winter may have had on your home.

It's important to make sure that your homeowners insurance covers certain things to protect you and your home from the elements. For instance, are you covered for damage from burst water pipes? Are you responsible if someone slips on ice and gets injured while on your property?

"Winter weather can wreak havoc on homes, and if you're not sure about what your home insurance covers, it can create headaches for homeowners," says Henry Blumenthal, VP and chief underwriter at TD Insurance.

Don't assume that just because you have home insurance, you are covered.

Here are some common home insurance claims during the season. As you will see, these are preventable with proper planning and home maintenance.

Winter Damage: If winter elements cause damage to your home, you will not be covered if the damage could have been prevented with proper maintenance.

Vacant Home: If you leave your home for more than 2-3 days, either turn off your water or arrange for someone to come by regularly to make sure the heat is on. Pipes can freeze easily during cold weather and you could be liable if your pipes freeze.

Personal Injury: If someone slips and injures themselves on your property, this will usually be covered by your home insurance policy. However, to help prevent accidents, make sure your walks are cleared, and spread salt to keep your friends and family safe.

Freezing water is a leading cause of damage in the winter. Not only is it responsible for burst pipes but also cracked masonry. Also, as the temperatures fluctuate, shifting ice and snow can cause damage to your roof.

By following these tips, you can reduce the likelihood you will have to ever make an insurance claim:

Be in the "know": When in doubt, it's safest to find out exactly what your home insurance policy covers and doesn't cover.

Check and maintain winter "hot spots": Exterior areas of your home including the roof and walls are vulnerable to damage. Make sure melting snow is not obstructed and can properly drain away from the house. Inside your house, check that your heating system is maintained and working. Also, check that pipes are properly wrapped and protected.

Insulate: By making sure your attic is well-insulated and well-ventilated, it will prevent ice dams from forming on your roof and allowing water to leak in. By insulating, it will also save you money on your heating bills.

Don't wait until it's too late: It's important to deal with issues before they become big problems. By addressing issues promptly, you can prevent further damage to your home and property that may not be covered by your insurance policy.

The best advice - "No one likes dealing with issues that accompany owning a home - especially ones that could have been avoided," says Blumenthal. "Taking some time to fix trouble spots protects the value of your home and can save you money in the long run."


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Roy Thomas is a REALTOR® with Exit Realty Metro in Halifax, Nova Scotia. Licensed since 1991, Roy has developed his Guaranteed Home Selling System that sells his clients homes Fast and for Top Dollar. Visit Roy online at or www.RoyThomas.TV.


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