With the official start of winter on December 21, the Insurance Information Institute (Triple-I) is advising homeowners, renters, and drivers across the United States to prepare for snow, ice, and cold temperatures. According to Triple-I CEO Sean Kevelighan, "More and more policyholders are seeing the value in 'Predict & Prevent' for managing their risk."

Kevelighan emphasized that recovery from catastrophic events can be challenging due to the irreplaceable nature of items with sentimental value. As a result, he encourages property and vehicle owners to take preventive measures against weather-related risks during winter.

To help protect homes and vehicles during this season, Triple-I provides several recommendations. Inside homes, maintaining a minimum temperature of 65 degrees can prevent pipes from freezing. Allowing faucets to drip ensures water movement within pipes. It's also important to check heating devices like fireplaces and electric heaters for proper functioning and ensure combustible materials are kept away.

Outside the home, snow and ice accumulation can pose risks such as roof damage or water seepage due to clogged gutters. Keeping sidewalks clear of snow and ice helps prevent injuries. Additionally, removing dangerous tree branches can mitigate potential damage to property or injury.

Regarding insurance coverage for winter-related property damage, standard homeowners policies typically cover wind, snow, and ice damage but do not include flood damage caused by melting snow seeping into structures from below ground level. Such scenarios require flood insurance available through FEMA's National Flood Insurance Program or private insurers.

For vehicles involved in accidents caused by wintry conditions or those sustaining damage from falling trees or floods, standard auto insurance policies provide coverage under comprehensive portions. Approximately 75% of U.S. drivers opt for these optional coverages.