Winter Liability Risks Connecticut Homeowners Shouldn’t Ignore

February in Connecticut is when winter claims tend to spike — and many aren’t caused directly by snowstorms.

They’re caused by liability exposures that homeowners don’t always see coming.

At Page Insurance, we regularly help Connecticut homeowners navigate winter-related claims involving slip-and-falls, frozen pipes, falling ice, and auto accidents. Here’s what you should be watching for right now.

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1. Slip & Fall Liability in Connecticut

Icy walkways and refreezing conditions are common across Connecticut this time of year. Even small patches of ice on driveways, front steps, or sidewalks can lead to serious injury claims.

If a delivery driver, contractor, guest, or neighbor slips and is injured on your property, your Connecticut homeowners insurance policy may respond under the liability section.

To reduce risk:

• Clear snow promptly after storms

• Apply salt or sand to high-traffic areas

• Monitor refreezing overnight

• Pay attention to shaded areas that stay icy longer

Serious injury claims can exceed standard homeowners liability limits — which is why many Connecticut homeowners choose to add a personal umbrella policy for additional protection.

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2. Falling Ice & Roof Hazards

Ice dams and large icicles are common in Connecticut winters, especially after heavy snowfall followed by freeze-thaw cycles.

Beyond property damage, falling ice can cause:

• Bodily injury

• Damage to vehicles

• Claims from guests or service providers

If you notice significant icicle buildup or roof ice accumulation:

• Address attic insulation and ventilation issues

• Safely remove excessive buildup

• Consider professional removal if conditions are severe

Preventive action reduces both property and liability exposure.

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3. Frozen Pipes in Connecticut Homes

Frozen pipe claims are among the most frequent winter losses in Connecticut.

Basements, garages, crawl spaces, and rarely used rooms are common trouble spots.

If you’re traveling this winter:

• Keep the heat set no lower than 55°F

• Open cabinet doors under sinks

• Shut off and drain certain lines if away long-term

• Have someone check the home periodically

Some homeowners insurance policies may have restrictions if a property is left unattended for extended periods, so it’s important to plan ahead.

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4. Winter Auto Accidents & Liability Exposure

Snow, black ice, and reduced visibility make February one of the highest-claim months for Connecticut auto insurance.

Even a relatively minor accident can turn into:

• Injury claims

• Lost wage demands

• Legal expenses

If you’re carrying state minimum liability limits, you may be more exposed than you realize. Coordinating your home, auto, and umbrella insurance coverage is one of the smartest risk management steps you can take.

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Why a Winter Coverage Review Makes Sense

Winter claims often reveal coverage gaps that were never discussed.

Now is a smart time to review:

• Homeowners liability limits

• Auto liability limits

• Personal umbrella coverage

• Renovations or property changes

• Vacancy or travel plans

At Page Insurance, we don’t just place policies — we help Connecticut homeowners make sure everything works together properly when it matters most.

If you have questions about your coverage or want a quick winter insurance review, we’re happy to help.

Stay safe and stay warm.

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Page Insurance Ltd.
Protecting Connecticut homeowners with thoughtful coverage and real advice.