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Top Property Insurance Claims That Occur in the Winter

Chicago Property Damage Claims that occur in the Winter

In the Chicago metropolitan area, roof damage is a common occurrence when temperatures when the winter weather sets in with snow, ice, and cold. A Midwest winter presents exceptional challenges that that can prove costly, so it pays to have a local Chicago Public Adjuster on your side when Mother Nature makes the decision to throw a one-two combo. Property damage claims on average are escalated through the winter.


Roof damage is often seen from late fall and will continue well into March due to the amount of weight added to a Chicago townhouse roof by snowfall and ice accumulation. Buildup of snow can stress roof components and lead to potential roof damage, which is referred to as “collapse” under your homeowners insurance policy.

In addition to potential roof collapse from the weight of ice and snow, water and snow can freeze, turn to ice, and work it’s way behind your roofing material and cause damage to your roof and interior through what’s called “Ice Damming.” This not only causes exterior damage but can wreak havoc on the interior of your property.

Damage from frozen water pipes can be disastrous.  This can occur when you leave for vacation and a furnace fails or you have a property that is not insulated properly.  It takes one burst pipe only sixty minutes to release up to 480 gallons of water into your home. All accumulated water from the burst or frozen pipe can do thousands of dollars damage, and if not caught right away, can likely lead to a mold growth and damage throughout the property. It is important to understand that if you did not take any precautions to maintain heat in your home, or drain your plumbing systems, there is may not be coverage for frozen pipes and water damage that caused by them.

The most common property damage that occurs more often in the winter is house fires and smoke damage. Winter forces people to uses fireplaces, temporary heaters, furnaces, and overloaded electrical components to name a few. Maintenance to these systems will help prevent to chance for these to cause a house fire. In general, most winter storm damage we see involves weight of ice and snow, frozen pipes, ice damming, and house fires. If suffered any type of loss this winter, you will want to discuss the damage with a well-informed public adjuster from Miller Public Adjusters.

An insurance claims specialist will be able to explain what types of damages should or should not be covered. If it’s a covered loss, Miller Public Adjusters will be able to represent your interests and help maximize your claim settlement.

If you are unsure as to whether your insurance policy will cover your winter storm property damage, feel free to call Miller Public Adjusters at 866-443-5167 and contact us for a Free Claim Review before proceeding.

Miller Public Adjusters currently serves the states of
WisconsinFlorida - Illinois - Indiana - Michigan - Minnesota - Texas

Call us 24 hours a day at (800)958-4829 to schedule an appointment or
please fill out a Free Claim Review to see if we can help.

David Miller
David Miller
Thank you for visiting us. My name is David Miller, and I know what it means to have to fight with your insurance carrier just to get fair payment for your property damage claim. My family suffered a total loss house fire that took nearly two very stressful years to settle. Since, I combined my experience in construction with my expertise in contract language to create Miller Public Adjusters. We work exclusively for policyholders. Please feel free to comment, ask questions, and let us know how we can help.

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