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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.

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