If you live in the colder northern regions of the U.S., you've most likely experienced your fair share of snow... shoveling it, driving in it, trudging through it, and, of course, playing in it. And while each winter sport – from skiing and snowboarding to ice skating, hockey, sledding and snowshoeing – has its own inherent risks, there are a number of other snow-related things to keep on your radar.
Winter Recreation:
A 2018 report by the U.S. Consumer Product Safety Commission determined that more than 200,000 people went to the emergency room for snow sport injuries, including 76,000 from skiing, 53,000 from snowboarding, 48,000 from ice skating, and 22,000 from sledding. More recently, ski fatalities hit a 10-year high for the 2021/22 season.
These statistics are not meant to keep you from having fun in the white stuff, but they do serve as reminders to follow certain precautions. The most important being the use of helmets and other safety gear such as padding, googles, and – for backcountry skiers and snowmobilers – an avalanche transceiver and shovel.
Avalanche Danger:
Avalanches occur when loose snow or snow slabs dislodge and begin to move downhill, reaching speeds of up to 80 miles per hour and causing major destruction in their wake. Some avalanches are caused by humans, but many are triggered by sudden changes in wind, weather, or temperature. While avalanche danger is much more common for those exploring the backcountry, massive slides have been triggered in neighborhoods, resulting in fatalities and severe damage to homes.
Get Covered:
Whether you're an avid backcountry skier or a homeowner in an area susceptible to avalanches, there are things you can do to make sure that you and your family will be able to recover from any loss or damages that occur as the result of an avalanche. Here are a few options:
Snowmobile insurance: Just like car insurance, snowmobile insurance can be purchased to cover multiple vehicles and drivers under a single policy. A basic plan will cover damage to you or your snowmobile in the event of an accident or collision. Extended plans may include uninsured/underinsured driver coverage, accessory coverage, or increased liability coverage. Snowmobile insurance is required in some states and national parks.
Travel insurance: If you are planning a getaway to a snowy wonderland, consider purchasing winter travel insurance, especially if your agenda includes winter recreation. In addition to the basics of any travel policy, which protect you in the event of delayed flights or stolen luggage, a winter travel insurance policy will cover losses due to accident or injury related to a variety of winter sports, from ice hockey and snowshoeing to more risky sports like backcountry skiing and snowmobiling.
Natural disaster insurance: Most homeowner's insurance policies do not cover natural disasters like avalanches, but it's easy to get additional coverage if your home is at risk. If you live in an area prone to avalanches, look into purchasing a supplemental policy and make sure your home is fully insured.
For more information about insurance, call or contact Potter Insurance today.