Like every year, winter is coming. And like every year, you’ve prepared. You’ve sealed the windows, drained the hoses, and stacked the firewood.

But that’s not enough. If you haven’t reviewed your home insurance, your winter prep is still incomplete.

In Buena Vista, VA, winter doesn’t always arrive loudly. It creeps in—a cold snap overnight, a pipe bursts, or an ice-covered step sends someone flying. That’s when homeowners discover what’s not covered, but by then, it’s too late to fix it.

Stonewall Grace Insurance works with Buena Vista residents to ensure your home insurance handles the cold as well as your insulation does.

The Gaps Most Homeowners Miss

The truth? Even solid policies can fall short if the fine print hasn’t been updated. Here’s where trouble often hides:

• Frozen pipes: Covered? Maybe. But not if the insurer determines you didn’t maintain heat or properly drain your lines.
• Roof collapse: Snow load coverage isn’t always included. It may require an extra rider or have a coverage cap that’s too low.
• Slip and fall liability: If a guest takes a tumble on your icy porch, are you liable? Does your liability limit cover their potential medical bills?
• Temporary lodging: If a pipe burst makes your home unlivable, will your policy cover hotel stays or short-term rentals?

These aren’t abstract risks—they’re the most common winter claims in Virginia.

Cold Weather Is Unforgiving, and So Is Insurance Without Proof

Documentation matters. If your insurer believes you neglected basic maintenance, your claim might stall. Photos, receipts, and even thermostat logs can make the difference between a paid claim and a denied one.

Stonewall Grace Insurance helps Buena Vista, VA, homeowners review not just their policy but their preparedness. This way, you’re not guessing when something goes wrong.

Winter doesn’t care what your policy says. Make sure it says the right things. Call Stonewall Grace Insurance in Buena Vista, VA, and close the gaps before the cold gets in.