November 2024 Newsletter
As November arrives, different regions across the East Coast face unique weather challenges. At Hillis Adjustment Agency, we’re here to help you prepare and protect your property based on where you live. Below are region-specific tips, weather forecasts, and lesser-known insurance policy insights for the upcoming season.
Northeast - Pennsylvania, New Jersey, New York, and Surrounding States
Weather Outlook:
Early Snowfalls and Freezing Rain: The Northeast could experience earlier-than-usual snowfalls this year, with some areas expected to see the first snow by late November. Freezing rain is also a concern, which can lead to power outages and dangerous driving conditions.
Polar Vortex Threat: Meteorologists are predicting that the Polar Vortex may dip into the Northeast, bringing intense cold snaps and potential snowstorms in December.
Insurance Tips:
Ice Dams and Roof Collapses: Ice dams form when snow melts and refreezes, blocking water drainage from your roof. This can lead to roof collapses and interior water damage. Check your policy to see if it includes coverage for ice dams, which is often overlooked but can be crucial in heavy snow years.
Frozen Pipe Coverage: Make sure you’re protected from frozen pipes! In colder states, policies often cover water damage caused by frozen pipes as long as preventive steps (like keeping your home heated and pipes insulated) are taken.
Snow Removal Liability: Did you know that homeowners can be held liable for accidents on snowy or icy walkways? Ensure your insurance covers liability in case someone slips on your property.
Carolinas - North and South Carolina
Weather Outlook:
Cold Snaps and Freezing Temperatures: While snow is less frequent, sudden cold snaps are predicted this winter. The Carolinas may see freezing temperatures in early December, which can lead to burst pipes and HVAC system failures.
Winter Storm Watch: Winter storms, though rare, can still bring a mix of snow, ice, and sleet. Be prepared for icy roads and possible power outages.
Insurance Tips:
HVAC and Heating System Coverage: If your heating system fails due to winter weather, check whether your homeowner’s policy includes coverage for repairs or temporary lodging if your home becomes uninhabitable.
Frozen Pipes and Water Damage: Policies often require you to take preventive measures to avoid frozen pipes (such as dripping faucets and insulating exposed pipes). Make sure you document these efforts to support any potential claims.
Winter Flooding from Snowmelt: While snow is rare, sudden storms followed by warm-ups can lead to flooding from snowmelt or frozen ground. Check if your policy includes flood coverage or sewer backup, especially if you have a basement.
Florida and Surrounding States
Weather Outlook:
Mild Winter with Cold Spells: Florida generally experiences milder winters, but occasional cold fronts can bring unseasonably low temperatures, especially to northern areas. Be prepared for short-lived freezes and frost warnings.
Hurricane Season Wrap-Up: While November marks the end of hurricane season, it’s still possible to see late-season storms. Stay alert, especially in coastal regions.
Insurance Tips:
Wind and Water Damage from Storms: As hurricane season closes, ensure you’re still protected against wind and water damage. Many policies in Florida have separate deductibles for windstorm damage, so review your coverage carefully.
Mold Coverage from Humidity: Florida’s humidity can create mold issues, especially after a storm or water intrusion. Mold coverage often requires an add-on to standard policies. Check if you have this protection, as mold remediation can be costly.
Hurricane Deductible Awareness: Be aware of your policy’s hurricane deductible, which is often a percentage of your home’s insured value. This applies to damage caused by named storms, even those that happen late in the season.
No matter where you’re located, Hillis Adjustment Agency is here to ensure you’re fully prepared for the upcoming winter. If you have any questions about your insurance coverage or need assistance filing a claim, don’t hesitate to contact us.
