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Colorado Insurance Blog

How to Stay Safe After a Winter Car Accident

The days are short. The air is cold. And, roads are often slick with rain, snow or ice.

It’s winter driving season in Colorado. And, while most people know what to do to try to avoid an accident, many don’t know what to do after one. It’s vital knowledge to have, because the aftermath of a crash can be just as dangerous as the crash itself — especially when it’s cold and snowy.

Here are five things to do (or not do) if you’re in an accident this winter to help keep yourself and others safe:

  1. Make sure everyone’s OK — then get off the road if you can. The safety of everyone involved in a crash is the first concern, of course. So, check on the occupants of each vehicle and call for emergency assistance if it’s needed. Then, if the vehicles are drivable, get them off the road as soon – and as carefully – as possible.

  2. Stay in your car if you can’t safely move away. If you can’t get your car off the road, but you can get off the road, wait until there’s no traffic around and then move well out of the way. Otherwise, stay in the car so you’re protected from other vehicles.

  3. Stay visible — and warm. Turn on your hazard lights and put up road flares so other vehicles know something is wrong. And, grab your vehicle emergency kit (you have one, right?) for blankets and extra clothing. If you’ve run off the road and you’re still in your car, make sure nothing is blocking your exhaust pipe. Otherwise carbon monoxide may build up.

  4. If you’re stranded, stay put. Running off the road in a remote area is scary, but resist the urge to try to walk for help. You risk getting lost, especially during a storm, if you set off on foot.

  5. See a crash? Don’t always stop to help. Being a Good Samaritan could cause more problems than it solves. So, if those involved aren’t in immediate danger, call 911 and let the professionals help with medical aid and traffic control.

It’s not always easy, but keeping a cool head after an accident will do more than help everyone get through a stressful situation — it will help keep everyone safer, too.

And, remember, if something does happen on the road this winter, Integrity First is here to help with your auto accident claim. If you’re unsure whether you’re carrying the right coverage, call now before it’s too late!

Protect Your Home from Water and Ice Damage

Water and ice damage affects homeowners everywhere, but you can protect your home with the following tips.

Icicles hanging from gutter along roofline

Water damage can cause serious problems, ranging from mold and mildew to structural weakness. Between 2015 and 2019, 1 in 50 insured homes filed a water damage claim with their insurance. While it’s important to have homeowners insurance to protect your property from water damage, you can avoid these problems by taking care of your property.

Clean and Protect Your Gutters

Your home’s gutters protect your house from water damage by directing water away from your roof and foundation. Clogged gutters overflow during rainstorms and allow water to pool around the eaves and foundation, which can cause problems like soil heaving, foundation cracking, ice dams, and roof leaks.

Clean your gutters at least once annually to prevent your gutters from clogging. You may need to clean your gutters multiple times per year if your property has a lot of trees.

If your gutters need more than twice the annual cleaning, gutter guards can protect your gutters and prevent them from clogging. Trim nearby trees to remove overhanging branches that will drop leaves, sticks, and needles into the gutters.


In 2021, many residents of Texas experienced a winter storm that froze pipes and caused ice dams. This storm was a perfect example of what happens when power outages and extremely cold temperatures co-occur. A survey of affected Texans showed that approximately 15% of impacted homeowners had frozen pipes, and countless others saw ice dams form on their roofs.

What’s an ice dam? An ice dam happens when “hot spots” on the roof cause snow to melt. The melting snow rolls down the roof to the colder eaves, where it refreezes. Eventually, the ice backs up under the shingles and into the attic itself.

How can you protect yourself? Insulation can protect your home’s pipes from cold temperatures in winter. Attic insulation also promotes even heating of the roof, which can prevent an ice dam (and thus a roof leak) from forming.

Insulate the pipes in your home with pipe insulation. Pipe insulation wraps around the pipes and protects them from below-freezing temperatures. You can find pipe insulation at hardware stores and home improvement centers. Simply cut down the insulation to the length of the pipe, remove the adhesive backing, then attach the insulation.

Insulate your attic if it’s needed. You’ll know your attic needs more insulation if you can see the floor joists. As a general rule, insulation should cover the joists so they can no longer be seen. For best results, hire a professional to install attic insulation.

Regulate Your Home’s Temperature

Never turn off your thermostat in winter, even if you’re leaving town. If you’re planning to be out of the house for a few days, turn down your home’s furnace to 55 degrees. This allows you to save money on heating costs while preventing your pipes from freezing.

Some additional tips:

  • Program your home’s thermostat to maintain a temperature at or above 55 degrees
  • Service your home’s heating system in the fall or early winter to avoid a furnace breakdown
  • Leave a trickle of water running when temperatures outside are expected to drop below freezing

Seal Cracks

Tiny cracks in your home’s siding or foundation can become a hiding place for water, which can freeze during times of severe weather, causing cracks to widen and make way for water leaks. Seal all cracks in your home’s exterior before winter comes.

Update Your Homeowner’s Policy

Water and ice damage can lead to hundreds or thousands of dollars in repairs. Is your house protected? Contact your insurance agent to evaluate your coverage.

Content and photo provided by Safeco Insurance

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