Snow on the Ground: A Quiet Reminder About Storm Safety and Insurance

There’s something peaceful about a fresh snowfall. Streets are quieter, the world slows down, and everything feels a little more still—like these scenes outside our office and along the neighborhood sidewalk.

But as beautiful as snow can be, it also serves as a gentle reminder: winter storms bring real risks, and a little preparation goes a long way.

What Snowstorms Can Bring (Beyond the Pretty Pictures)

Snow and ice can create issues that don’t always show up right away:

• Slips and falls on sidewalks, driveways, and entryways

• Frozen or burst pipes once temperatures drop and stay there

• Ice dams that push water back under your roof

• Power outages that lead to spoiled food or frozen plumbing

• Tree limbs and snow load causing unexpected property damage

Most of these aren’t dramatic, headline-making events—but they’re exactly the kinds of losses we help clients with every winter.

A Few Simple Safety Reminders

Before and during winter storms, a few basics can reduce both risk and hassle:

• Clear snow promptly from walkways and steps

• Use ice melt where foot traffic is common

• Keep heat consistent throughout the house

• Open cabinet doors under sinks on very cold nights

• Check that sump pumps and generators are working properly

Small steps now often prevent much bigger problems later.

How Insurance Fits In

Homeowners insurance typically covers many types of winter-related damage—but coverage depends on the details:

• Sudden pipe bursts are usually covered

• Long-term neglect or maintenance issues usually are not

• Liability coverage may apply if someone slips and falls

• Certain limits (like for water damage or personal property) matter more than most people realize

This is where having a real person to call—someone who knows your home, your policy, and your situation—makes a difference.

We’re Here, Even When the Roads Are Quiet

Winter storms don’t run on business hours. If something happens, you shouldn’t have to fight phone trees, repeat yourself to multiple departments, or wonder who to call next.

Our job is to help you understand your coverage before there’s a problem—and to guide you through it calmly if there is one.

Enjoy the snow. Take the pictures. Walk carefully.
And if you ever have a question about winter risks or your insurance coverage, we’re here.

Warm regards,

Page Insurance Ltd.