Take these steps to reduce your personal liability risk this winter.
Homeowners are always subject to a certain amount of personal liability risk. However, winter weather conditions can increase the chances of third-party injuries or damage taking place on your property. Fortunately, you can address the most common cause of winter liability claims by taking the following steps around your home.
- Shovel and De-Ice Your Walkways
One of the most common causes of injuries during the winter months is slipping on snow or a patch of ice. The best way to reduce this risk is by making sure you keep your driveway and walkways free of snow and ice. While shoveling snow is no one’s idea of a good time, just think of all the money you re saving by avoiding a serious liability claim. In addition to clearing snow off your walkways, you also need to melt away dangerous patches of ice. Applying salt to icy pavement or using chemical de-icers is a great way to reduce the risk of a slip and fall injury on your property.
- Trim Your Trees
Due to the rainy, snowy, and windy conditions that you will face this winter, there’s an increased chance of your trees losing branches and causing injuries or damages to others. Obviously, if a branch falls off one of your trees, you will be responsible for the losses that result from this incident. The best way to protect yourself from this potential liability issue is by making sure to trim your trees down before winter weather gets too intense. Focus your efforts on the branches that overhang your driveway, walkways, and your neighbors’ property. Completing this maintenance task will reduce your chances of experiencing a tree-related liability issue this winter.
These are some of the steps that you can take to reduce your risk for a personal liability claim this winter. Want another way to protect yourself against winter risks? Make sure you have the right personal insurance protections in place. For assistance with all your coverage needs, contact the experts at Steve Wilk Insurance. Check out our new office at 310 S Main Street, Suite C, Lombard, IL 60148.