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Avoid These 4 Common Winter Weather Claims

Winter weather can bring unpleasant surprises. If you look ahead to what can go wrong in your home due to harsh weather conditions, you may be able to prevent some of these common winter weather claims. Use these tips from Insurance Discount Center to protect your home in Houston, Texas this winter.

1. Falling Trees and Tree Branches

Ice or snow paired with high winds can cause trees and tree branches to fall on your home. You may be able to avoid these problems by calling a tree service before the weather gets bad. They will trim the trees and cut those that might be at risk of falling to prevent damage to your house.

2. Flooding Due to Broken Water Pipes

Frozen pipes may burst and flood your home. Prevent these problems by using electrical heat tape and insulation on pipes that are in exposed areas. Additionally, if you leave town, keep the heat running in your home to protect your plumbing. You may also want to leave faucets dripping just a bit because running water won’t freeze as quickly as still water.

3. Wind Damage

While you can’t control the wind, you can keep your home maintained so that the wind won’t cause unnecessary damage to your home. Check your roof and repair loose shingles and tiles and make sure that your shutters are securely fastened to the house. Remove anything outdoors that isn’t tied down, like outdoor children’s toys or patio furniture. High winds could hurl the objects through your windows.

4. Flooding Due to Ice Dams in the Gutter

If your gutters and downspouts become clogged with leaves and debris, ice dams may build up in them. When snow and ice melt off of your roof, and the water can’t drain due to ice dams, water may back up under the shingles of your house. This can damage all the layers of roofing. Clean out your gutters and downspouts to keep water flowing freely and prevent ice dams and the resultant flooding.

Even if you have taken adequate precautions, you may still encounter some of these things throughout Texas. If you need help filing a claim or obtaining a policy, contact Insurance Discount Center today for assistance.

What Kind of Insurance Do Small Businesses Need?

Just as one purchases insurance policies to protect one’s homes and cars, small business owners must buy the necessary insurance policies to protect one’s business. If you are a small business owner in the Houston, TX area, reach out to Insurance Discount Center to learn about the insurance policies your business might need. 

Considering Insurance for your Small Business

One of the most critical and often overlooked policies that small businesses should consider is professional liability coverage. Professional liability coverage will help protect you from liability claims, either as a result of an error in the services you provided or a failure to deliver the services. Every small business is different and will need a custom professional liability policy to protect the business’s from its individual professional liability risks. 

Any small business that hires employees should consider a workers’ compensation policy. Many states require workers’ compensation, but even if your business is exempt from the requirement, it should be considered. Workers Compensation helps cover the costs in the event an employee is injured, becomes ill, or even dies as a result of their job duties. Workers’ compensation claims, such as carpal tunnel injuries, can quickly add up, and a policy will help shield your business. 

If your small business sells any product that you manufacture yourself, then you must consider product liability coverage. If your product ends up hurting someone due to a design flaw or contamination, a liability claim could result in considerable losses to your business that you may not recover from. Even if you believe your product is 100% safe, you should consider product liability. 

The insurance market has many products available to help protect small businesses. The agents at Insurance Discount Center would be happy to discuss your small business and design a tailored insurance package to best protect you and your employees. We proudly serve the Houston, TX area and are ready to help you get a quote.