Why Is Sussex Home Insurance Important for Winter Storms?
If your family is one of the 2,000 that call Sussex home, you get to enjoy picturesque views all year. Sussex is located far enough from Moncton and Saint John to provide peaceful surroundings, but close enough to have fun on the weekends. One downside of this quiet town is its heavy snowfall in winter: over 2,400 mm annually on average. How does Sussex home insurance help your family with winter weather risks?
Annual Snowfall in Sussex
On average, December is the month with the heaviest snowfall. Families can expect 650 mm of snow or more in a single month. November, January, and February average 450 mm of snow each, with the stormy season ending around early March.
Temperatures in winter also drop significantly. The daily average temperatures in December often reach minus 15 degrees Celsius or lower, and even the maximums stay below zero. This makes sleet, ice, hail, and blizzards more likely in winter.
How Do Snow and Ice Affect Homes?
Winter weather can pose many dangers to your home’s structure. Heavy snowfall weighs down the roof and can damage shingles, especially when paired with heavy winds during a blizzard.
Hail impacts are common causes of roofing damage. Ice can clog gutters, preventing moisture from draining properly. These issues can lead to roof leaks and moisture damage inside the home.
One of the main reasons Sussex home insurance is vital is to protect your investment in case of winter damage. Instead of allowing moisture to hurt the home’s underlying structure, you can take care of roofing issues quickly and effectively.
How Much Rain Does Sussex Get?
While Sussex has its fair share of beautiful summer days, it also has plenty of rain throughout the year: approximately 1,000 mm annually. Late spring and early fall both have significant rainfall on average.
These conditions can worsen any existing roof damage, especially after the winter thaw. For this reason, it’s important to check for roof damage every year.
Does Home Insurance Protect Against Flooding?
At HUB International, we work closely with our clients to accommodate their needs. We’re happy to explain everything included and excluded from your personal home insurance coverage plan.
In general, home insurance doesn’t cover flooding caused by natural disasters. Many policies do cover water damage from burst pipes, however.
That way, you can pay for repairs, replacements, and restoration of walls, flooring, ceilings, and other areas. It’s important to check the details of your preferred policy for specifics.
High-Quality Sussex Home Insurance
You have the flexibility to choose different options for home insurance coverage in Sussex.
Dwelling Insurance
This coverage helps with damage to your home’s structure, including frames, flooring, roofing, and walls. It also covers attached buildings such as connected garages, covered patios, and outdoor kitchen/dining areas.
Detached Structures
Home insurance can also cover detached garages, sheds, barns, fences, gazebos, and other structures that aren’t attached to the home. The amount of coverage you select depends on your family’s needs and lifestyle.
Personal Property
Water damage and fires often affect important belongings in the home, such as clothing, furniture, electronics, family heirlooms, and other possessions. With personal property coverage, you receive compensation to restore many or all of the things lost and damaged.
Lodging Coverage
Many families in Canada need somewhere to stay when the home is undergoing roof replacement or water damage restoration. With miscellaneous expenses coverage, your home insurance can help you with hotel costs and similar expenses.