What you should know about snow and your insurance coverage.  

Winter is almost here, and that means cold temperatures and the likelihood of snow. As a homeowner, ensuring that the snow does not also become an expensive problem means that you have to clear up after each snowfall or hire a team to do it for you.

Many homeowners are not exactly sure why this is so important or what their responsibilities and liabilities are in relation to snow on their property. Not only do you have to ensure that you adequately clear snow from your driveway and path in a timely manner, but you should consider how your insurance can help.

Even without the hazard of snow, homeowners need to remember that they can be sued if a person falls and sustains an injury on their property. When snow and ice arrive, the chance of an incident happening increases. If a visitor slips and falls on a patch of ice that is on your property, you could be found negligent and liable – meaning you face serious costs. Your homeowners insurance should include liability coverage, which will help you with types of costs. Before the snowstorms arrive, it is a good idea to check your policy or talk to your broker to confirm coverage.

Remember that property owners are legally required to clear sidewalks after the end of a snowfall within 24 hours. If you do not, you could receive a fine from the municipality, especially if there are complains. The sooner and more completely you shovel snow, the less likely ice will form.

Talk to the team at Tompkins Insurance Agencies to determine how to protect your home and assets throughout the winter and beyond. We can help you find reliable home insurance to suit your needs.