Preparing for Spring: Top 5 Home Insurance Tips for Minnesota’s Changing Seasons

As February turns to March, Minnesotans start looking forward to warmer temperatures, melting snow, and the first signs of spring. But with the seasonal transition comes risks that homeowners should be prepared for—ice dams, flooding from rapid snowmelt, strong spring storms, and hidden winter damage.

If you haven’t checked your home insurance coverage lately, now is the time. Here’s how to protect your home, prevent costly surprises, and make sure your insurance is up to date before spring arrives.

1. Check for Ice Dams & Roof Damage

This winter has been milder than usual, but that doesn’t mean your home is in the clear. Ice dams can still form on your roof, trapping melting snow and causing leaks inside your home.

🔹 What to Do: Check for water stains on ceilings and walls, inspect your attic for moisture, and make sure your gutters are clear.

🔹 Insurance Tip: Standard homeowners insurance may cover interior damage from an ice dam, but preventable damage due to poor maintenance may not be covered. If you’re unsure, review your policy.

2. Be Ready for Spring Flooding

Minnesota may not be known for extreme flooding, but rapid snowmelt and spring rainstorms can cause water to seep into basements and overwhelm drainage systems.

🔹 What to Do: Ensure your sump pump is working, clear any snow away from your foundation, and check for cracks in basement walls.

🔹 Insurance Tip: Most standard home insurance policies do NOT cover flooding. If your home is in a low-lying area or has a history of water issues, ask about flood insurance before the spring thaw.

3. Inspect Your Siding & Foundation for Winter Damage

Even a mild winter can cause hidden damage to siding, windows, and foundations. Freezing and thawing cycles can lead to cracks, loose panels, and moisture issues.

🔹 What to Do: Walk around your home and look for cracks in the foundation, damaged siding, or gaps around windows and doors.

🔹 Insurance Tip: If damage was caused by winter storms or ice, your policy may cover repairs. Document any issues with photos and contact your insurance provider before small problems turn into expensive repairs.

4. Prepare for Severe Spring Storms

Spring in Minnesota often brings strong winds, heavy rain, and even early tornado activity. Is your home fully covered in case of storm damage?

🔹 What to Do: Check your roof for loose shingles, trim weak tree branches, and secure outdoor furniture before storm season begins.

🔹 Insurance Tip: Make sure your policy covers wind and storm damage, and double-check your deductible—you don’t want surprises when filing a claim.

5. Review & Update Your Home Insurance Policy

Spring is a great time for an insurance checkup. Have you made home upgrades, purchased new valuables, or noticed gaps in your coverage?

🔹 What to Do: Contact us today for a free policy review to ensure you have the right coverage before storm season hits.

🔹 Why It Matters: Underinsured homes are common—many homeowners only find out they don’t have enough coverage after they file a claim. A quick review now could save you thousands later.

Get the Right Coverage Before Spring Arrives

Your home is one of your biggest investments—protecting it starts with the right insurance. At Cokato Insurance Center, we help homeowners find policies that offer strong protection without overpaying.

📞 Call us today at (320)-286-6633 or fill out our online quote form for a FREE home insurance quote and stay ahead of spring risks.