3 Things to Review in Your Homeowners Insurance Before New Jersey’s Winter Storms Hit

Winter in New Jersey can bring unpredictable weather — from heavy snow and ice to strong winds that cause damage to homes across Morris County. Before the cold settles in, it’s a smart idea to take a quick look at your homeowners policy to make sure you’re ready for whatever this season brings.

Below are three key areas to review:

1. Ice Dam & Roof Damage Coverage

Ice dams can form when heat escapes from your roof, melting snow that refreezes at the edges. This can lead to water backing up under shingles and causing interior damage.
Not all policies cover the full extent of ice-related claims — reviewing your limits now can save costly surprises later.

2. Tree Damage & Windstorms

High winds and heavy snow often cause branches or entire trees to come down.
Check your policy to understand:

• What’s covered if a tree falls on your home

• What’s covered if it falls in your yard

• Your debris removal limits

3. Water Backup & Sump Pump Overflow

Water backup is one of the most common winter claims, and it’s not automatically included in many homeowners policies.
Ask us about adding or adjusting this important protection before winter storms begin.

Need Help Reviewing Your Policy?

BIS Improved Insurance Agency has been protecting Morris Plains and Morris County families for nearly 50 years. Our team is here to walk through your coverages and make sure you’re prepared for the colder months ahead.

👉 Call us at 973-683-1000 for a free winter insurance review.
👉 Serving families and businesses since 1976.