One of the most challenging seasons for Toronto real estate homeowners is winter. Despite the merrymaking that comes with the season, it also brings numerous perils that lead to roof insurance claims. Let’s take a closer look at these common winter claims and some of the most effective ways to prevent them from happening.

The common but costly claims

Some of the most costly claims during winter are brought about by the weather. Frigid temperatures do not sit well with homes, especially the aging ones. Here are five of the most common claims during winter:

*Wind damage

*Water leaks

*Frozen pipes

*Hail damage

*Roof damage

As for the cost of these insurance claims, the following emerged as the top three:

* Frozen pipes: $18,000

*Hail damage: $10,000

*Tree collapse: $6,000

In the United States alone, claims related to freezing reach billions of dollars in losses. In 2014, it was estimated at $2.6 billion losses. The following year, it jumped to $3.5 billion.

How to prevent these perils

It is a fact that we cannot stop nature. We cannot tell the snow not to fall during winter. But there are ways where you can work around nature and prevent some of these common winter perils.

First, you need to do your research, forward-thinking, and due diligence. See your roof? Before winter comes, you make sure that it is in good condition. If you see that there are leaks, have it repaired immediately before winter arrives.

Keep your gutters clean at all times. If you see that your roof shingles are already worn out and dilapidated, don’t hesitate to replace them with new ones. Keep in mind that shingles provide protection against roof damage caused by external elements. A damaged roof that is left unattended can lead to roof leaking.

And a leaking roof can lead to further complications on your home.

Furthermore, you also need to take some load off. This means clearing your roof as quickly as possible before snow accumulates into a huge and heavy pile. If you do not have a long-handled rake, don’t hesitate to hire a professional who can remove the snow accordingly.

Another important part of your house that you need to pay attention to are your pipes. With extremely cold temperatures, homes tend to experience frozen pipes, which are quite costly to repair. Thus, protect your pipes by keeping your thermostat at 68 degrees and above. As for your faucets, keep them trickle overnight when the temperature hits sub-zero.

Lastly, trim the limbs of your trees. Strong high winds coupled with ice can send trees crashing down.