A Holiday Storms: Is Your Home Ready?
Last Christmas Eve, the Peters were prepared for everything—except the unexpected. Their living room glowed with a beautifully decorated tree, stockings hung with care, and the smell of gingerbread wafted from the kitchen. But as the forecast changed from light snow to a full-blown ice storm, things took a turn.
The storm hit hard, leaving the Peters without power for two days. Worse, a heavy branch from their old oak tree broke under the weight of the ice and crashed onto their detached garage, damaging the roof and a cherished vintage truck. As they sorted through the aftermath, they realized their homeowners insurance didn’t fully cover the damage to the garage—or the items stored inside.
The holidays are a time for joy, not stress. Yet, unpredictable weather and seasonal risks can catch anyone off guard. At Roberts & Associates, we understand how much your home and its surroundings mean to you. That’s why we’re here to help you prepare for the unexpected.
Here are a few tips to ensure your home is protected this holiday season:
Review your policy: Make sure it includes coverage for additional structures, like garages, sheds, or fences.
Check for seasonal risks: Snow and ice can cause roof collapses, frozen pipes, and fallen trees. Ensure your policy accounts for weather-related events.
Think about what’s inside: If you’ve been storing family heirlooms or expensive tools in a detached structure, consider additional personal property coverage.
Prepare for emergencies: Keep supplies handy for winter power outages, like flashlights, blankets, and a generator.
The Peters learned a tough lesson, but they’re better prepared this year. And with a little foresight, you can ensure your holidays remain merry and bright—no matter what surprises the season brings.
If you’re unsure about your coverage, our team is happy to review your policy and provide solutions that fit your family’s needs. Because at Roberts & Associates, we’re here to help you enjoy the holidays with peace of mind.
