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And the Snow keeps coming …

snow falling

And the Snow keeps coming …

Home:

The snow isn’t letting up any time soon and it’s been cold enough to just keep collecting on your roof.

 

Homes built prior to 1995 need to be watched out for especially, due to the fact they don’t have as much protection from the heavy weight of this winter snow– they weren’t built for it.

 

Shoveling your roof is your first line of protection against the winter load.  It’s imperative to get the snow off the roof before it starts damaging your support beams or causing Ice Dams to build up at the edges of your roof.  Either of which can cause a lot of damage to your home and may or may not be covered by your insurance company.

Driving Tips:

1. Slow down give yourself extra time to get there.

2. Know alternate routes, in case there is an accident you have to go around, or the road is closed due to bad weather.

3. Leave more distance between you and the other driver.  It takes double the time to stop on ice and snow covered roads than dry pavement.

4. Be careful driving over bridges or in shaded areas of the road.  Bridges will freeze before the road, and shaded areas may have black ice on the road way.

5. Never use cruise control in icy conditions.

6. Monitor the weather and check the road cameras before you leave on your trip.  Stay home if the trip is not absolutely necessary.

IF you are in an accident, please read What you should do in the event of an accident.

Vehicle Insurance Tips:

1. Ice and snow falling on your car is covered under the comprehensive coverage of your auto insurance.  Normally there is a deductible under your comprehensive coverage.  Also some older cars may not carry comprehensive coverage.  Check your policy to see if you have this coverage.

2. A cracked or broken windshield can be replaced using your comprehensive coverage as well.  Often times while driving in Central Oregon a piece of gravel will get thrown up on the windshield and a traveling hair line crack will appear.  Get your windshield repaired as soon as possible.  Often the windshield repair people will come to your place of work or you home and put in a new windshield for you.

3. Collision covers your car if you run into another car or they run into you.  Again many times drivers elect to remove collision from an older car.  Check your policy or call your agent for clarification.

If you have any questions about the type of insurance you carry on you cars give Steve Jeter or Cynthia Poore a call in our office at 800-452-6826

 

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