Heads up, homeowners! Insurance companies are getting creative with their definitions—especially when it comes to winter damage. That leaky pipe or roof? It might now be split into categories like 'seepage' or 'overflow,' each with its own rules and hoops to jump through. Even storm and fire claims are under the microscope, with stricter rules and higher deductibles. Before winter hits, double-check your policy so you’re not caught off guard by these new tricks! #RealEstate #HomeInsurance #WinterTips