As much of the country prepares for what could be a catastrophic winter storm, many states are already declaring states of emergency, and insurance departments are issuing bulletins regarding how to protect your property and other saftey information. As we see the bulletins we will add them to this list so that you can readily see what's been issued.

Massachusetts –frozen pipes

Texas –setting up a generator

heating safety

fire marshal recommendations

Michigan - Issued a release that's not appearing on the website, so we've copied the content here:

FOR IMMEDIATE RELEASE: January 22, 2026

(LANSING, MICH) As Michigan braces for more winter weather, the Michigan Department of Insurance and Financial Services (DIFS) is reminding residents to protect themselves from property damage, costly repairs, and financial loss caused by snow, ice, and freezing temperatures.

"Michigan winters are beautiful, but they can also lead to unexpected costs, inconvenience, and injuries. Each year, we see consumers caught off guard by burst pipes, ice damage, or car crashes caused by slick roads," said DIFS Director Anita Fox. "A quick insurance checkup before an incident occurs can save you time, money, and stress. Winter storm preparation would include a review of insurance policies, and follow-up with an agent or insurance company with any coverage questions. For additional help, DIFS call center is available at 877-999-6442, Monday through Friday, 8 a.m. to 5 p.m."

Winter-related damage can lead to expensive repairs, sometimes costing up to thousands of dollars. Taking advance precautions and knowing how your insurance policies apply and what they cover is key to avoiding loss and a smooth recovery if you file a claim.

Protect Your Home

Frozen pipes, roof collapses, and ice dams are among the most common winter insurance claims.

  • Keep your heat set above 55°F and insulate exposed pipes.
  • Clear gutters and snow buildup on your roof to prevent leaks.
  • Review homeowners coverage for damages caused by ice, snow, and burst pipes.

Prepare for Power Outages

Heavy snow and ice can knock out power for hours or even days.

  • Some homeowners policies may cover spoiled food or temporary living expenses if a covered loss causes an outage.
  • Keep flashlights, blankets, and backup chargers on hand, and consider using surge protectors to safeguard electronics.

Review Your Auto Coverage

Snow and ice lead to more auto accidents and towing claims.

  • Understand the coverage you have available in the event of collisions, falling branches, or flooding. These types of damages are generally covered by collision or comprehensive coverage, which are not mandatory, but you may be required to include them on your policy under the terms of an auto loan or they may be appropriate for your family's needs.
  • Be sure to have a plan to pay your policy deductibles in the event of an emergency. This will allow you to take advantage of your coverage.

Check Your Travel Plans

If you plan to travel this winter, understand what's covered if weather disrupts your plans.

  • Travel insurance can reimburse you for canceled trips, delayed flights, or lost luggage.
  • If you're driving, carry an emergency kit with warm clothes, water, and a shovel.

Consumers with questions or concerns about their insurance or financial services can contact DIFS Monday through Friday, 8 a.m. to 5 p.m., at 877-999-6442 or by visiting Michigan.gov/DIFS.

Maryland

What to do after a disaster

Has issued a release that doesn't appear on the website, so the content is here:

Preparation is key!

The Maryland Insurance Administration urges all Marylanders to start preparing for a significant winter storm expected to impact the state throughout the weekend.

Governor Moore has declared a State of Preparedness for the winter storm expected to move into the region beginning Saturday.

For more information, preparedness tips and resources, visit:

There are lots of ways you can prepare!

While some events are unavoidable, there are precautionary steps we can take to be better prepared. Below are insurance-related resources to consider, and more!

If your property is impacted by a snow or ice event, the Maryland Insurance Administration recommends these resources.

Emergency Kit

It's important to keep a winter weather emergency kit in your vehicle. Recommended contents include:

  • Cell phone and car charger
  • Blankets or a sleeping bag
  • Flashlight and extra batteries
  • Jumper cables
  • Emergency flares
  • Extra clothing (boots, hats, and gloves)
  • Shovel
  • Bottled water or juice and nonperishable foods
  • First-aid kit and necessary medications
  • Sand or non-clumping cat litter for tire traction

Prevent Frozen Pipes

Winter temperatures can cause real damage to your home's water pipes. Water expands as it freezes. No matter the strength of your pipes, expanding water can cause them to break.

Generator Safety Tips

NEVER use a generator, camp stove, charcoal grill, or gasoline/propane heater indoors

For more safety tips, click here.

Make room!

Half of home heating fires are reported during the months of December, January, and February. Keep anything that can burn at least three-feet away from heating equipment, like the furnace, fireplace, wood stove, or portable space heater.