While the amount of danger from winter weather varies across the country, nearly all Americans, regardless of where they live, are likely to face some type of severe winter weather at some point in their lives.
And when you live in Ohio, you know by now that you should expect the unexpected!
Winter storms can range from a moderate snow over a few hours to a blizzard with blinding, wind-driven snow that lasts for several days.
Many winter storms are accompanied by dangerously low temperatures, and sometimes by strong winds, ice, sleet and freezing rain.
A primary concern is that winter storms can knock out heat, power and communications services to your home or office, sometimes for days at a time.
Heavy snowfall and extreme cold can even immobilize an entire region.
The National Weather Service refers to winter storms as “deceptive killers” because most deaths are indirectly related to the storm.
People die in traffic accidents on icy roads, and of hypothermia from prolonged exposure to cold. Because of this, it’s important to be prepared for winter weather before it strikes.
Know the terms
Familiarize yourself with these terms to help identify winter storm hazards:
- Freezing rain – Rain that freezes when it hits the ground, creating a coating of ice on roads, walkways, trees and power lines.
- Sleet – Rain that turns to ice pellets before reaching the ground. Sleet also causes moisture on roads to freeze and become slippery.
- Winter weather advisory – Winter weather conditions are expected to cause significant inconveniences and may be hazardous. When caution is used, these situations should not be life-threatening.
- Winter storm watch – A winter storm is possible in your area. Tune in to National Oceanic and Atmospheric Administration (NOAA) Weather Radio, commercial radio or local television for more information.
- Winter storm warning – A winter storm is occurring or will soon occur in your area.
- Blizzard warning – Sustained winds or frequent gusts to 35 miles per hour or greater, and considerable amounts of falling or blowing snow (reducing visibility to less than a quarter mile) are expected to prevail for a period of three hours or longer.
- Frost/freeze warning – Below-freezing temperatures are expected.
Before winter storms and extreme cold
To prepare for a winter storm you should do the following:
1. Add these supplies to your emergency kit:
- Rock salt, or more environmentally safe products to melt ice on walkways. Visit the Environmental Protection Agency website for a complete list of recommended products.
- Sand to improve traction
- Snow shovels and other snow removal equipment
- Sufficient heating fuel – you may become isolated in your home and regular fuel sources may be cut off. Store a good supply of dry, seasoned wood for your fireplace or wood-burning stove.
- Adequate clothing and blankets to keep you warm
2. Make a family communications plan. Your family may not be together when disaster strikes, so it’s important to know how you will contact one another, how you will get back together and what you will do in case of an emergency.
5. Bring pets/companion animals inside during winter weather. Move other animals or livestock to sheltered areas with non-frozen drinking water.
Winterize your home
- Winterize your house, barn, shed or any other structure that may provide shelter for your family, neighbors, livestock or equipment.
- Clear rain gutters, repair roof leaks and cut away tree branches that could fall on a house or other structure during a storm.
- Extend your fuel supply by insulating walls and attics, caulking and weather-stripping doors and windows and installing storm windows or covering windows with plastic.
- Maintain heating equipment and chimneys by having them cleaned and inspected every year.
- Insulate pipes with insulation or newspapers and plastic and allow faucets to drip a little during cold weather to avoid freezing. Running water, even at a trickle, helps prevent pipes from freezing.
- All fuel-burning equipment should be vented to the outside and kept clear.
- Keep fire extinguishers on hand, and make sure everyone in your house knows how to use them. House fires pose an additional risk, as more people turn to alternate heating sources without taking the necessary safety precautions.
- Learn how to shut off water valves (in case a pipe bursts).
- Insulate your home by installing storm windows or covering windows with plastic from the inside to keep cold air out.
- Hire a contractor to check the structural ability of the roof to sustain unusually heavy weight from the accumulation of snow or water, if drains on flat roofs don’t work.
During winter storms and extreme cold
- Stay indoors during the storm.
- Walk carefully on snowy, icy walkways.
- Avoid overexertion when shoveling snow. Overexertion can bring on a heart attack – a major cause of death in the winter. If you must shovel snow, stretch before going outside.
- Keep dry. Change wet clothing frequently to prevent a loss of body heat. Wet clothing loses all of its insulating value and transmits heat rapidly.
- Watch for signs of frostbite. These include loss of feeling and white or pale appearance in extremities such as fingers, toes, ear lobes and the tip of the nose. If you or a loved one shows symptoms, get medical help immediately.
- Watch for signs of hypothermia. These include uncontrollable shivering, memory loss, disorientation, incoherence, slurred speech, drowsiness and apparent exhaustion. If you or a loved one has symptoms of hypothermia, get the victim to a warm location, remove wet clothing, warm the center of the body first and give warm, non-alcoholic beverages if the victim is conscious. Get medical help as soon as possible.
- Drive only if it is absolutely necessary. If you must drive, travel in the day; don’t travel alone; keep others informed of your schedule; stay on main roads; and avoid back road shortcuts.
- Let someone know your destination, your route and when you expect to arrive. If your car gets stuck along the way, help can be sent along your predetermined route.
- If the pipes freeze, remove any insulation or layers of newspapers and wrap the pipes in rags. Completely open all faucets and pour hot water over the pipes, starting where they were most exposed to the cold (or where the cold was most likely to penetrate).
- Maintain ventilation when using kerosene heaters to avoid build-up of toxic fumes. Refuel kerosene heaters outside and keep them at least 3 feet from flammable objects.
- Conserve fuel, if necessary, by keeping your residence cooler than normal. Temporarily close off heat to some rooms.
- If you will be going away during cold weather, leave the heat on in your home, set to a temperature no lower than 55° F.
Dress for the weather
- If you must go outside, wear several layers of loose-fitting, lightweight, warm clothing rather than one layer of heavy clothing. Outer garments should be tightly woven and water repellent.
- Wear mittens, which are warmer than gloves.
- Wear a hat. A hat will prevent loss of body heat.
- Cover your mouth with a scarf to protect your lungs.
After winter storms and extreme cold
- Go to a designated public shelter if your home loses power or heat during periods of extreme cold. Text SHELTER + your ZIP code to 43362 (4FEMA) to find the nearest shelter in your area (example: shelter 12345).
- Continue to protect yourself from frostbite and hypothermia by wearing warm, loose-fitting, lightweight clothing in several layers. Stay indoors, if possible.
In additional to helping you and your loved ones stay safe when disaster strikes, Hill & Hamilton is committed to helping you get the right coverage to protect your home.
In the unfortunate event that you have damage to your home, or have an accident at your home due to cold weather conditions, a comprehensive Homeowners Insurance policy could protect you.
Homeowners insurance in Ohio provides two broad categories of coverage. First, it protects your physical possessions such as your house and your contents. The second type of coverage provided is referred to as liability coverage, which is insurance lingo for saying your policy can protect you for claims made against you by a third party in the event you injure them, or damage their property.
If you have any questions about what types of insurance coverage you need to get through the winter ahead, contact one of our Insurance Advisors today.