4 Insurance Hazards to Watch for this Spring

As the snow melts, the damage of winter weather is often revealed. These are some of the most common spring insurance hazards. 1. Flooding As water from spring showers and storms runs into rivers and creeks, they may rise beyond their banks. The added floodwaters can cause major problems for residential areas in flood zones. It is important for all homeowners to remember the difference between flood damage and water damage. While flood damage is caused by widespread rain or flooding bodies of water, regular water damage comes from broken pipes, roof leaks and similar home-related problems. A home insurance policy covers water damage but not flooding. All homeowners who live in flood zones should purchase flood insurance from the National Flood Insurance Program. 2. Potholes When spring approaches, it is common to see more potholes in the road. These can ruin tires and damage the wheels on some cars. Drivers who have collision insurance are usually covered for pothole damage. When unsure, ask an agent about what an individual policy covers.

3. Hail Damage Spring storms are often severe enough to produce hail. These ice balls hit roofs and unprotected vehicles hard enough to cause cracks or dents. Damage to the roof is usually covered under a home insurance policy. If the hail breaks a window and causes rain to leak into the home, the broken window and resulting water damage are usually covered as well. Auto owners should review their coverage to find out if they are covered for hail damage. 4. Driveway Cracks Extreme temperature changes can cause a driveway's surface to crack. Homeowners should check their policies to see if they are covered for cracks. Make a habit of watching for these hazards as temperatures start to rise. It is important to address issues immediately and take preventative measures