North Texas Winter Weather Prep: Insurance Tips for Tarrant & Denton County Homeowners

Winter in North Texas can be unpredictable. One week we’re in the 70s, and the next we’re dealing with ice storms or a hard freeze. As homeowners in Tarrant and Denton counties know… it only takes one cold snap to cause thousands in damage.

Here are a few ways to prepare:

1. Protect Your Pipes

Insulate outdoor spigots, wrap exposed pipes, and know how to shut off your water. Most burst pipe claims happen in older neighborhoods across Grapevine, Denton, Lewisville, and North Fort Worth.

2. Clean Gutters & Check Roof Flashing

Heavy North Texas winds + freezing rain = roof leaks. A quick roof look can prevent insurance claims later.

3. Review Your Deductibles

Winter losses often fall into “wind/hail” categories. Ensure your deductible is manageable and not higher than you expected.

4. Update Your Home Inventory

Use your phone to walk through your home and record valuables. It makes claims painless.

5. Understand What Your Policy Doesn’t Cover

Flooding from outside water? Not covered. Freezing damage while you're away without proper heating? Sometimes not covered.

A 10-minute insurance winterization review can help eliminate surprises.