Category: Claims

Top 5 Spring Insurance Hazards That Might Not Be Covered by Insurance

Posted by: Admin

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Springtime is quickly approaching, meaning warmer temperature, melting snow and rain showers are on the way too. But while the weather may be a nice change from the winter cold, spring flooding and hail damage aren’t exactly something to look forward to.

For the unprepared homeowner, this can be bad news — especially considering certain spring hazards aren’t always covered by insurance. Read on to learn five spring surprises and how you can help your clients be prepared.


For homeowners who live in a snow-prone climate, flooding can be a big issue. As snow starts to melt, creeks and rivers can rise. Couple this with spring showers and the potential for flooding drastically increases. Standard home insurance policies do not cover water damage due to spring-related flooding. Fortunately, homeowners can purchase flood a flood policy from the Federal Emergency Management Agency’s National Flood Insurance Program, which covers the home, the foundation and the belongings inside.

Crack Driveways

As ice freezes and thaws, it can cause large cracks in driveways come springtime. Despite being a result of snow and ice, oftentimes, this type of damage is considered wear and tear, so a homeowner might not be able to make an insurance claim. An exception to this is if a client’s neighbor or another party somehow damaged the driveway.


Hail can damage siding and roof shingles — fortunately, most home insurance policies cover these kinds of damages. Broken windows, doors and the like are also typically covered if hail causes damage.

Snowplow Damage

Snowplows can easily take out a mailbox or dent a car so it’s important for homeowners to know what to expect coverage-wise if this happens. If the snowplow is operated by the local government, there will typically be a procedure in place for reimbursement. If this happens to one of your clients, it’s a good idea to have them check with their local jurisdiction to learn how to file a claim.


Landscaping adds beauty and value to your home — but landscaping isn’t exactly inexpensive. Snowstorms, high winds and the like can damage your landscaping, causing trees to uproot, bushes to be flattened and flower beds to be ruined. When it comes to toppled trees, many homeowners falsely believe their insurance policy covers replacement. However, unless the tree damaged the home, this type of incident is often considered a regular maintenance task. As an insurance agent, make sure your clients know exactly what is and isn’t covered in their policies.