Services for Consumers

Insurance Information By Topic - Disaster and Recovery, Before and After a Winter Storm

Before the storm

  • Protect your home by:
    • clearing sidewalks and entranceways
    • keeping gutters free of leaves and debris, so ice dams do not occur and cause water leakage into your house.
    • letting facets drip slowly so water will move and prevent pipes from freezing.
    • winterizing your home by sealing windows and doors, and adding extra insulation.
  • Protect your car by:
    • checking hoses, battery and antifreeze levels.
    • keeping gas tank filled to prevent condensation from forming in the tank. Such condensation could cause the fuel line to freeze.
  • Protect your pets by:
    • cleaning any antifreeze spills and storing antifreeze where pets cannot be attracted to its sweet scent.
    • bringing pets indoors, into the house or garage, to provide warm shelter.
    • providing plenty of straw or other warm bedding.
    • remembering to provide fresh water and ensuring the water does not freeze. Use a plastic dish to prevent the pet's tongue from freezing to a metal bowl.
    • checking underneath your car's hood for small animals (like cats) that may have crawled inside seeking warmth.

After the storm

  • Clear sidewalks and entranceways from snow and ice to prevent injury.
  • Call your insurance agent to report any damage to your home.
  • Photograph any damaged areas before doing anything to them.
  • Make temporary repairs only to your home to prevent further damage.
  • Keep receipts of all materials bought or services rendered involving repairs.
  • Do not make major, permanent repairs until you reach an agreement with your insurance company.
  • Avoid downed power lines and contact your local power company to report them.

If you have any questions or problems concerning your insurance coverage, contact the Consumer Services Division of the NC Department of Insurance at 855-408-1212 (toll free).

More Disaster Information