Lake Orion experiences all four seasons, each bringing unique risks to your home. From snowy winters to rainy springs, Michigan’s weather can be unpredictable. Understanding how home insurance protects your property during these changes is important for every homeowner.

Winter: Snow, Ice, and Frozen Pipes

Michigan winters bring heavy snow and ice. Roof damage from ice dams, frozen pipes, and water leaks caused by melting snow are common problems. Many home insurance policies cover these types of damage. Check your policy for exclusions and take preventative steps like insulating pipes and clearing gutters to reduce risks.

Spring: Rainstorms and Flooding

Spring often brings heavy rain to Lake Orion. Water damage from sudden events like burst pipes is usually covered by home insurance. However, flooding caused by rising water is not included in standard policies. If your home is in a flood-prone area, adding flood insurance can provide extra protection.

Summer: Storms and Wind Damage

Summer storms in Michigan can cause roof damage, broken windows, and structural issues. Strong winds, hail, and falling debris are common hazards. Home insurance typically covers storm-related damage. Document any issues and file claims promptly to ensure coverage.

Fall: Preparing for the Cold

Fall is the time to prepare for winter. Inspect your roof for loose shingles, clean gutters, and trim overhanging branches. These steps can help prevent damage during winter storms and reduce the need for insurance claims.

Why Local Expertise Matters

Orion Insurance Agency helps Lake Orion homeowners find the right coverage for every season. Michigan’s weather can be tough on homes, but the right policy can make all the difference. Protect your property year-round with expert advice from our team.

Visit Orion Insurance Agency today to learn more about home insurance options for Lake Orion residents.