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Although the events that trigger winter claims take place during the winter months, most insurance companies deal with them throughout the year. Some winter claims focus on a specific winter weather event that triggered the loss, but many also revolve around damaging conditions that occur throughout the whole season. Claims may also be just days or weeks old, but in some cases, they require analysis for winter weather events that could be 10-15 years old. In any case, determining the exact conditions that existed at the time and specific location of the loss is crucial to properly managing winter weather claims.

Winter weather claims generally can be broken down into the following categories: slip-and-fall cases, motor vehicle accidents, property damage, roof and building collapse, frozen and burst pipes, personal injury, pedestrian accidents, and water intrusion. Slip-and-fall cases account for approximately 64 percent of all winter weather claims. Winter motor vehicle accidents account for 12 percent, and the other six types of cases range from three-to-five percent of the remaining 24 percent of all winter cases.

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