As warmer weather approaches, many homeowners are anxious to get outside to make exterior improvements to their homes, particularly after the mild winter experienced this year in Pennsylvania. Insurance may cover the cost of any damage incurred to your home during winter storms, but be cautious before making small claims.

Homeowners’ insurance is designed to protect the value of your home and help pay for repairs due to storms or other weather damage. Snowstorms may cause major damage, such as fallen trees on your roof or outbuildings. Winter storms could also cause you to lose shingles from your roof, but this is something that might not be noticed until spring.

However, home insurance policies do have deductibles, and the amount of your deductible varies based on your particular policy. Additionally, multiple small claims filed on your homeowner’s insurance may actually cause rate hikes over time. For the best coverage price, consider choosing a deductible of at least $500. For damages to your home that are estimated around this amount, you may be better off in the long run if you pay for these repairs out-of-pocket. Save your insurance claims for calamities, such as major roof or plumbing repairs.

Your insurance agent could give you more advice about the home insurance coverage that is best for you. Your Pennsylvania insurance is there to help you, but be conscientious and prudent in the use of your policy as this may help save you thousands of dollars over the life of your home.