I don’t know about you, but I’m tired of winter. It’s April, and it’s still been cold and crappy outside. I’m ready for the pretty flowers and the birds chirping and animals running around. The groundhog told us Spring was near, but I think he was wrong.
Goodbye Snowy Roads
I can’t wait to be able to drive on a clear road. Yes, the pot holes will be out in full force, but at least you won’t have to worry about snow, slush and ice on the roads. The snow is pretty and all, but I absolutely hate driving in it. I should be used to it by now, living in Michigan all my life, but I’m so ready for Spring!
When there is fresh new coat of snow on the roads, by noon, it’s all a slushy watery mess! A semi truck goes past you and splatters your window with dirty slush and dirt. I think I’ve gone through over a gallon of windshield washer fluid this season alone. I’m saying it. Goodbye Snowy roads!
Spring Insurance Issues
Once all the snow melts away and we start to finally feel the warm rays of sun, new problems can arise. Obviously you will have pot holes. That’s probably one of the first things you notice when the roads become clear. Once spring is officially here, the road crews will be out fixing all the pot holes and cracked and damaged roads from the snow plows.
Snow plow damage is another thing you could have. If you have someone who plows your driveway on a regular basis, they could of tore up your yard or made dips or unwanted piles of dirt. So once the snow clears you’ll want to check for those things as well.
Melting snow can be another issue. With all the snow melting it’s going to produce lots of water. So where does all the water go? You have to be careful and look for possible flooding. Spring is a time when you might have issues with flooding. That’s not going to be covered on your policy either. In order to have Flood Insurance you have to get it from the government. Oh, and not everyone can get it, you have to be in a designated area to even qualify to purchase it. So you can always check with your local insurance agent. They can let you know if your in a flood zone and if they can help you to purchase flood insurance through the federal government. Most of them have programs and things that they can refer you to.
Another thing you might experience with the warmer temps is Salt Damage or Rust on your vehicle. If your like my husband, you were washing your car at every fill up so your fine… but, if your like me and only let mother nature wash your car, you might have an issue. If you do experience some rust or damage from the salt that was on the roads during the winter season, your out of luck. Most insurance companies are going to consider this normal wear and tear of the vehicle, and it’s NOT going to be a covered loss. If you check your policy, most likely you’ll find it under the Exclusions area.
I pulled out my policy. It’s number 13 in my exclusions. There is NO COVERAGE for any part or equipment of a covered vehicle if that part or equipment: a.) Fails or is Defective; b.) Is damaged as a direct result of (1) Wear and Tear; (2) Freezing or; (3) Mechanical, Electrical or Electronic breakdown or malfunction of that part or equipment. So there ya have it.
Do you have any specific Insurance Questions?
So, here’s your chance. What Insurance questions do you have? If you have a topic or question that you would like answered, just let me know. I might even choose your question to do a whole post about. You can submit them below in the comments or you can email them to me. I look forward to hearing from you. Don’t forget, THINK SPRING!