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Stay safe during a winter storm.

We're here to help protect you before, during and after a natural disaster.

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How to prepare for a winter storm

Gather supplies in case you need to stay home for several days without power, including flashlights and extra batteries.

If you have alternative heating sources, be sure they're clean, in working order and have enough heating fuel.

Charge your mobile device and sign up for emergency alerts.

Be prepared if you have to drive.

Keep your vehicle's gas tank full, so you can leave in an emergency.

Make sure you have a winter supply kit with things like food, water and warm clothes in case you're stuck in traffic or have an accident. Check out what else to add to your kit for winter storm emergencies.

Before you get on the road, let someone know where you’re going and when you expect to arrive.

Preventing frozen pipes

Frozen pipes can be expensive to repair. When temperatures are below freezing, prevent damage by taking these steps:

  • Insulate exposed pipes in unheated areas like the garage, basement or crawlspace.
  • Let cold water drip from faucets.
  • Open cabinet doors under sinks to let warm air in to circulate.
  • Disconnect and drain garden hoses from outdoor faucets.

Understand winter storm risks.

Watch out for signs of frostbite and hypothermia information. Start treatment right away and get medical help as soon as you can.

Frostbite

Frostbite can cause numbness and white or grayish-yellow, firm skin on the face, fingers and toes. If you suspect frostbite, go to a warm room, soak in warm water, and use body heat to warm up. Don't massage or use a heating pad.

Hypothermia

Hypothermia is a low body temperature, usually below 95 degrees, with signs like shivering, confusion and drowsiness. To help prevent it, go to a warm room and warm the center of your body first. Stay dry and wrapped in warm blankets.

Winter storm safety tips

Be prepared for a winter storm with .

More winter storm safety tips

  • Drink water to stay hydrated. Sweat evaporates more rapidly in the cold, dry air, which could result in dehydration.
  • If you’re at home, close rooms you aren't using to avoid wasting heat.
  • Have the radiator system serviced in your vehicle and check the antifreeze level.
  • If stuck in your vehicle, run the motor for 10 minutes each hour for heat. Crack the window for fresh air to avoid carbon monoxide poisoning.
  • Be visible to rescuers. Turn on the dome light at night when running the engine.
  • Tie a bright-colored cloth to your car’s door or antenna.

Indoor safety

Use extra blankets, sleeping bags or winter coats to keep warm. Keep heat sources like space heaters, at least three feet away from drapes, furniture or bedding. Never cover them.

It’s not safe to use your stove for heat. Avoid using gas grills, generators or other outdoor appliances indoors. These can cause carbon monoxide poisoning or fires if not used properly.

Outdoor safety

Avoid overexertion when shoveling snow. Take breaks as needed. If you have to drive, make sure your vehicle, including the tailpipe, is clear of ice and snow and let your vehicle defrost.  Drive slowly and be aware of black ice. If your vehicle gets stuck during a storm, stay in it.

Pet safety

Bring pets inside when temperatures dip. Don't forget to wipe your pet's paws. Ice-melting chemicals can make your pet sick. If you can't bring the pets inside, provide adequate shelter to keep them warm. Make sure they have access to unfrozen water.

What to do after a winter storm

Know your rights and protect finances.

Your policy will cover the reasonable costs of repairs after a covered loss whether you work with a USAA-preferred contractor or not.

If you want to use your own, ask friends and family for recommendations and read reviews. And make sure you read and understand any documents before signing.

Inspect property and assess damage.

If you find damage, take photos and file a claim. Check for water leaks, especially in ceilings. Save receipts for temporary repairs and avoid permanent repairs until your claims adjuster checks the damage.

File claims for vehicle damage.

If there’s damage, take photos before removing debris or making temporary repairs. For auto glass damage, file an auto glass claim. For other damage, file an auto claim. Save receipts for temporary repairs to get reimbursed.

How to file a natural disaster claim

Try to report your claim as soon as possible. This helps you secure a contractor early, avoiding long wait times to hear from them.

Steps to complete How to file a natural disaster claim

  1. Report your claim

    Tell us what happened. Get started on usaa.com or the USAA Mobile App.

  2. Get more details

    We’ll review what happened and check what your policy covers. You can also add more details in My Claims Center.

  3. Evaluate the claim

    We’ll go over the details and figure out what to pay based on your coverage and deductible.

  4. Settle the claim

    If covered, we’ll make a payment to you or a third party.

Ready to report your claim?

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Related footnotes:

  1. Safety guidelines are not intended to be all inclusive, but are provided for your consideration. Please use your own judgment to determine what safety features/procedures should be used in each unique situation.

  2. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

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