What Homeowners Insurance Does Not Cover in Alaska

Having homeowners insurance does not mean every type of damage to your Alaska home will receive coverage. Most Alaska homeowners insurance policies contain exclusions, limitations, deductibles, and conditions that can significantly affect a claim.

Some risks receive little or no coverage under a standard homeowners policy. Other losses may require an endorsement or a separate insurance policy.

Common Alaska Homeowners Insurance Exclusions

Common exclusions and coverage limitations can include flooding, earthquakes, normal wear and tear, certain maintenance problems, sewer backups, and certain types of water damage. The exact exclusions depend on the policy.

Understanding these coverage gaps before a loss occurs can help Alaska homeowners make informed insurance decisions and avoid unpleasant surprises when they file a claim.

1. Flood Damage

Standard homeowners insurance generally does not cover damage caused by flooding.

Flooding can occur when water enters a home from sources such as:

• Rising rivers or streams
• Coastal or storm surge
• Heavy rainfall
• Rapid snowmelt
• Other forms of surface water

Alaska homeowners near rivers, coastal areas, or other flood-prone locations should understand whether their existing insurance provides any protection against flood damage.

Homeowners who need flood protection generally must obtain separate flood insurance.

The distinction between flooding and other types of water damage can become important when an insurer evaluates a claim.

2. Earthquake Damage

Alaska experiences significant seismic activity, yet standard homeowners insurance may exclude earthquake damage.

Earthquake coverage may require a separate policy or endorsement, depending on the insurer and policy.

Earthquake-related losses can include more than damage to the house itself. A significant earthquake can damage foundations, structures, personal property, and other parts of a residence.

Because earthquake damage can be extremely expensive, Alaska homeowners should review their policies carefully rather than assume their standard homeowners coverage protects them.

3. Normal Wear and Tear

Homeowners insurance generally does not function as a maintenance plan. Thus normal wear and tear is typically an Alaska homeowners insurance exclusion.

Insurance typically does not cover ordinary deterioration that occurs over time, such as:

• Aging roofs
• Worn flooring
• Deteriorating siding
• Aging appliances
• Gradual deterioration
• Routine maintenance problems

Insurance generally responds to covered losses rather than the ordinary cost of maintaining a home.

This distinction can become important when an insurer determines that damage resulted from a long-term condition rather than a sudden covered event.

4. Neglect and Lack of Maintenance

A homeowner generally has a responsibility to maintain the property and take reasonable steps to prevent avoidable damage.

An insurer may question coverage when damage results from neglect, deferred maintenance, or a condition the homeowner knew about but failed to address.

For example, a homeowner who ignores a known roof leak may have difficulty obtaining coverage for extensive damage that develops over time.

That does not mean an insurer can automatically deny every claim involving an older home or existing condition. The specific facts and policy language matter.

5. Certain Water Damage

Water damage can create complicated homeowners insurance claims because not all water damage has the same cause or coverage.

A policy may cover some sudden and accidental water losses while excluding or limiting others.

Potential coverage questions can arise with:

• Gradual leaks
• Groundwater
• Flooding
• Sewer backups
• Drain backups
• Poor maintenance
• Long-term moisture problems
• Water entering through excluded causes

When water damages an Alaska home, determining where the water came from and why it entered the property can be critical.

6. Sewer or Drain Backups

A sewer or drain backup can cause extensive damage to floors, walls, furniture, and personal belongings.

Standard homeowners insurance may not provide coverage for every sewer or drain backup. Some policies offer the option to add specific coverage through an endorsement.

Homeowners should check their policies to determine whether they have this protection and how much coverage they purchased.

This can be particularly important for homeowners with finished basements or properties where a backup could cause substantial damage.

7. Certain Damage Caused by Mold

Mold coverage can be complicated.

A homeowners policy may provide coverage when mold results from a covered loss, depending on the policy and circumstances. However, policies may exclude or limit mold associated with long-term moisture, poor maintenance, or other excluded causes.

For example, a long-standing moisture problem may receive different treatment from mold that develops after a sudden covered water loss.

Because mold exclusions and limitations vary, homeowners should review the actual policy rather than assume that all mold damage receives the same treatment.

8. Certain Pest and Animal Damage

Homeowners insurance generally does not cover every type of damage caused by animals or pests.

Damage associated with insects, rodents, birds, or other animals may fall outside standard coverage, particularly when the damage develops gradually.

Alaska homeowners should also consider the potential for wildlife-related property damage.

The insurer may distinguish between sudden accidental damage and damage that results from an ongoing infestation or maintenance issue.

9. Intentional Damage

Homeowners insurance generally does not provide coverage for intentional property damage caused by the insured.

Insurance is designed to protect against covered accidental losses, not deliberate acts.

Intentional acts can create complicated coverage questions when multiple people live in the household or when someone other than the homeowner causes the damage. The policy language and specific circumstances determine whether coverage applies.

10. Certain Business-Related Losses

A standard homeowners policy may provide limited protection for property or activities associated with a home-based business, but it may not cover every business-related loss.

Homeowners who operate a business from their Alaska residence should determine whether their homeowners policy provides adequate protection.

Depending on the business, additional insurance may be necessary for:

• Business equipment
• Inventory
• Business liability
• Customers or clients visiting the property
• Professional activities
• Other business-related risks

A homeowner should not assume that a personal homeowners policy provides the same protection as commercial insurance.

11. Certain High-Value Personal Property

Homeowners insurance can cover personal property, but policies often place special limits on certain categories of valuable belongings.

These limits can apply to property such as:

• Jewelry
• Cash
• Collectibles
• Certain firearms
• Precious metals
• Other valuable items

For example, a homeowner may have substantially more valuable jewelry than the policy’s standard special limit covers.

Additional coverage or a scheduled-property endorsement may provide broader protection for valuable possessions.

12. Damage From Certain Earth Movement

Earthquake damage is not the only type of earth movement that can create coverage questions.

Standard homeowners policies may exclude certain losses involving events such as:

• Landslides
• Mudslides
• Sinkholes
• Other forms of earth movement

The precise definition and treatment of these events varies by policy.

Alaska homeowners with property near steep slopes, unstable ground, or other areas vulnerable to earth movement should understand how their policies address these risks.

13. Damage From War or Nuclear Events

Homeowners policies generally contain exclusions for certain extraordinary events, including war and nuclear hazards.

These exclusions are unlikely to affect most everyday Alaska homeowners insurance claims. However, they illustrate an important principle:

A homeowners policy does not provide unlimited protection against every possible cause of loss.

The policy defines both the risks it covers and the circumstances it excludes.

14. Certain Losses Caused by Power Outages

A power outage does not automatically create a covered homeowners insurance claim.

Coverage can depend on what caused the outage and what damage resulted from it.

For example, a homeowner may face different coverage questions when food spoils during a routine utility outage than when an electrical event causes covered property damage.

Homeowners should review their policy and any applicable endorsements rather than assume that all losses following a power outage receive coverage.

Do Alaska Homeowners Insurance Exclusions Include Alaska’s Snow, Ice, and Extreme Cold?

Alaska’s climate creates several potential sources of property damage.

Heavy snow and ice can contribute to roof damage, falling trees, structural problems, and other losses. Extreme cold can also create plumbing problems.

But homeowners insurance does not automatically cover every loss caused by Alaska’s weather.

An insurer may examine whether the damage resulted from a sudden covered event, an excluded cause, inadequate maintenance, or a combination of factors.

That makes documentation particularly important after a major weather-related loss.

Why Do Insurance Companies Deny Homeowners Claims?

An insurer may deny a claim for several reasons.

Common issues can include:

• The policy excludes the cause of loss.
• The damage falls below the deductible.
• The policy limit does not cover the full loss.
• The insurer disputes the cause of damage.
• The insurer considers the damage gradual rather than sudden.
• The insurer believes the homeowner failed to take reasonable precautions.
• The policy does not provide the particular coverage involved.
• The homeowner did not satisfy a policy condition.

A denial does not automatically mean the insurer correctly interpreted the policy.

The language of the policy and the facts surrounding the loss matter.

What Should You Do If Your Homeowners Claim Is Denied?

If your insurance company denies your Alaska homeowners insurance claim, start by carefully reviewing the denial letter.

Pay particular attention to:

1. The reason for the denial
2. The policy provisions the insurer cites
3. Any exclusions the insurer relies upon
4. The amount of your deductible
5. The insurer’s explanation of what caused the damage
6. Any deadlines for responding or appealing

Keep photographs, repair estimates, receipts, correspondence, and other documentation relating to the claim.

If you believe the insurer incorrectly interpreted the policy or improperly denied coverage, consider obtaining legal advice before accepting the denial or signing a settlement.

Frequently Asked Questions About Alaska Homeowners Insurance Exclusions

What does homeowners insurance not cover in Alaska?

Common exclusions and limitations can include flooding, earthquakes, normal wear and tear, neglect, certain water damage, sewer backups, certain earth movement, and some business-related losses. Coverage varies by policy.

Does homeowners insurance cover flooding in Alaska?

Standard homeowners insurance generally does not cover flood damage. Homeowners who need flood protection typically need separate flood insurance.

Does homeowners insurance cover earthquakes in Alaska?

A standard homeowners policy may exclude earthquake damage. Separate earthquake insurance or an endorsement may be available depending on the policy and insurer.

Does homeowners insurance cover an old roof?

Homeowners insurance generally does not cover normal deterioration or routine maintenance. However, a sudden covered event may cause damage to an older roof that receives coverage depending on the policy and circumstances.

Does homeowners insurance cover mold?

It depends on the cause of the mold and the policy. Some policies provide limited coverage when mold results from a covered loss, while excluding or limiting mold associated with long-term moisture or other excluded causes.

Does homeowners insurance cover sewer backups?

Not necessarily. Some homeowners policies exclude sewer or drain backups unless the homeowner purchases additional coverage or an endorsement.

What happens if homeowners insurance does not cover my damage?

You may have to pay for the loss yourself unless another insurance policy or source of recovery applies. If you believe your insurer incorrectly denied a claim, an attorney can review the policy and the circumstances of the loss.

Protecting Yourself From Homeowners Insurance Coverage Gaps

The best time to discover a coverage gap is before a loss occurs.

Alaska homeowners should periodically review their policies and consider whether their coverage still reflects their property, possessions, and risks.

Pay particular attention to:

• Dwelling coverage limits
• Personal property limits
• Liability limits
• Deductibles
• Valuable-property sublimits
• Flood coverage
• Earthquake coverage
• Sewer and drain backup coverage
• Other endorsements
• Policy exclusions

Your insurance needs can change over time. Home improvements, new possessions, changes in property use, and other circumstances can affect the amount and type of coverage you need.

Know Your Policy Alaska Homeowners Insurance Exclusions

Homeowners insurance can provide important protection, but no standard homeowners policy covers every possible loss.

For Alaska homeowners, understanding exclusions and coverage gaps can be just as important as knowing what the policy covers. Flooding, earthquakes, wear and tear, certain water damage, sewer backups, and other risks may require additional protection.

If you suffer significant damage and your Alaska homeowners insurance company denies your claim, delays payment, or disputes coverage, do not assume the insurer’s decision is necessarily correct.

An attorney can review the policy, the cause of the loss, the insurer’s explanation, and the available evidence to determine whether you may have grounds to challenge the decision.

Johnson Law, P.C. represents Alaskans in insurance coverage disputes and other legal matters. Our office can review your insurance policy, the circumstances of your loss, and the insurer’s position to help determine what options may be available.

Disclaimer: This week’s article series provides general educational information about Homeowners Insurance In Alaska, Alaska Homeowners Insurance Claims and Alaska Homeowners Insurance Exclusions. However, it is not legal advice and does not create an attorney-client relationship. Because every case is unique, consult a qualified Alaska personal injury attorney about your specific circumstances.

Johnson Law, P.C. has been helping injured Alaskans and those injured while visiting Alaska for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image modified using ChatGPT – Prompt: An Alaskan home damaged by flood

Ten Surprising Things Homeowners Insurance May Cover in Alaska

Many Alaska homeowners know that homeowners insurance can protect their house from certain major losses. But a homeowners policy may provide coverage in situations that are less obvious.

Depending on the policy and circumstances, coverage may extend beyond damage to the house itself. It can include certain personal property losses, temporary living expenses, and liability claims involving other people.

Here are 10 surprising things Homeowners Insurance In Alaska may cover.

Important Note: Alaska Homeowners Insurance Claims coverage depends on the specific policy, cause of loss, exclusions, limits, deductibles, and endorsements. The examples below are not a guarantee that a particular claim will be covered.

1. Damage From a Frozen or Burst Pipe

Alaska’s winter temperatures can create serious plumbing problems. When a pipe freezes and bursts, the resulting water can damage walls, floors, ceilings, furniture, and other property.

Depending on the circumstances, homeowners insurance may cover sudden and accidental water damage resulting from a burst pipe.

However, coverage can depend on whether the homeowner took reasonable steps to maintain heat and protect the plumbing.

For example, an insurer may investigate whether the property was adequately heated, whether the homeowner knew about a plumbing problem, and whether reasonable precautions were taken during an extended absence.

The important distinction is between a covered sudden loss and damage caused by neglect or an ongoing maintenance problem.

2. Temporary Housing After a Covered Loss

A major covered loss can leave an Alaska family without a place to live.

If covered damage makes the home uninhabitable, loss of use or additional living expense coverage may help pay certain necessary additional expenses while the home is being repaired.

Depending on the policy, this can include expenses associated with temporary lodging and other increased living costs.

This coverage can be particularly valuable after a serious fire, major water loss, or other covered event.

What homeowners should know

Additional living expense coverage generally is not intended to pay every expense you incur after leaving your home. The policy determines which additional expenses qualify, how much coverage is available, and how long it can continue.

Keep receipts and other documentation for expenses related to the displacement.

3. Personal Belongings Damaged Away From Home

Your homeowners insurance may not stop protecting your belongings when they leave your house.

Depending on the policy, certain personal property may be covered when it is lost, stolen, or damaged away from the residence.

That can be useful when belongings are taken on a trip, stored temporarily elsewhere, or otherwise located away from the home.

However, special limits may apply to certain categories of property. Valuable jewelry, collectibles, firearms, electronics, and other high-value belongings may have specific coverage limitations.

If you own particularly valuable property, review your policy to determine whether additional coverage is appropriate.

4. An Alaska Homeowners Insurance Claim May Cover Guest Injuries

Homeowners insurance can provide protection when someone is injured in connection with your property.

Personal liability coverage may apply when a homeowner is legally responsible for another person’s injury.

For example, a visitor could suffer an injury because of a dangerous condition on the property. If the homeowner is legally liable, the policy may provide coverage for covered damages and potentially certain legal defense costs.

The facts matter. Simply because someone is injured on your property does not automatically mean you are liable or that the insurance company must pay the claim.

5. Medical Payments for Certain Injuries

Some homeowners policies contain medical payments coverage, which is different from personal liability coverage.

This coverage may pay certain medical expenses for a person who is injured on the insured property, even when the homeowner is not legally responsible for the accident.

For example, a guest could suffer a minor injury while visiting your home.

Medical payments coverage typically has a relatively modest limit and does not replace health insurance or provide unlimited compensation.

Still, it can provide an important source of coverage for certain injuries that do not necessarily involve a liability claim.

6. Damage From a Falling Tree

Alaska’s trees can become hazardous when exposed to heavy snow, ice, wind, or other severe weather. A tree that falls onto a home, garage, or other insured structure can cause substantial damage.

Depending on the cause of the fall and the policy, homeowners insurance may cover the resulting property damage. Some policies may also provide limited coverage for removing the fallen tree.

But a fallen tree does not automatically mean there is a covered claim.

The insurer may consider:

• Why the tree fell
• What property was damaged
• Whether the tree was dead or diseased
• Whether negligence or lack of maintenance contributed to the loss
• The policy’s exclusions and coverage provisions

7. Smoke Damage Even When Your Home Does Not Burn

Fire can damage a home without flames actually reaching every part of the property.

Smoke and soot can spread throughout a residence, affecting walls, ceilings, furniture, clothing, electronics, and other belongings.

Depending on the circumstances, smoke damage resulting from a covered event may be covered even when portions of the home were not directly burned.

Smoke damage can also be more extensive than it initially appears. Professional cleaning and restoration may be necessary to address odors, residue, and contamination.

Homeowners should thoroughly document smoke-related damage rather than assuming that items that look intact are undamaged.

8. Certain Theft Losses May Be Covered Through An Alaska Homeowners Insurance Claim

Homeowners insurance may cover certain personal property stolen from the home or, in some circumstances, elsewhere.

That can include ordinary household belongings such as clothing, furniture, electronics, and other covered property.

However, homeowners should pay particular attention to special limits for valuable property.

A policy may limit coverage for categories such as:

• Jewelry
• Cash
• Collectibles
• Certain electronics
• Firearms
• Other high-value possessions

If you own valuable items, keeping receipts, photographs, appraisals, and other documentation can make it easier to establish ownership and value after a loss.

Additional coverage may also be available for certain valuable possessions.

9. Certain Damage Caused by Falling Objects

Homeowners may not realize that insurance can sometimes cover damage caused when an object falls onto an insured structure. The source of the object and the circumstances surrounding the event can affect coverage.

For example, damage caused by a falling tree may be treated differently from damage caused by another type of falling object.

As with any homeowners insurance claim, the question is not simply whether something fell. The insurer must determine whether the resulting damage falls within the policy’s coverage provisions.

10. Certain Liability Claims Away From Your Home

Homeowners insurance may provide liability protection beyond the physical boundaries of your property.

Depending on the policy, personal liability coverage can apply to certain covered incidents that occur away from the insured residence.

That means a homeowner should not automatically assume that a liability claim is unrelated to homeowners insurance simply because the incident occurred somewhere else.

Whether coverage applies depends on the circumstances and the policy’s liability provisions.

What About Alaska’s Unique Risks?

Alaska homeowners face several risks that deserve special attention, including extreme cold, heavy snow and ice, wildfires, earthquakes, and flooding.

A homeowners policy may cover some of these risks, while it may exclude or limit others or require separate coverage. That distinction is important.

Homeowners insurance does not necessarily cover every type of damage to an Alaska home.

For example, homeowners should carefully review their policies for coverage involving earthquakes, flooding, sewer or drain backups, and other risks that may require separate insurance or endorsements.

What Should You Do If You Think You Have a Covered Alaska Homeowners Insurance Claims?

If your home or property suffers significant damage, take reasonable steps to protect the property from additional harm and document what happened.

Consider these steps:

1. Make sure everyone is safe.
2. Prevent additional damage when reasonably possible.
3. Photograph and video the damage.
4. Keep damaged property when practical and safe.
5. Keep receipts for emergency repairs and related expenses.
6. Notify your insurance company promptly.
7. Create an inventory of damaged or destroyed belongings.
8. Review the insurer’s coverage determination carefully.

Avoid making major repairs or disposing of damaged property before documenting the condition whenever doing so is reasonably possible.

What If the Insurance Company Denies the Claim?

An insurance company’s decision is based on its interpretation of the policy and the circumstances of the loss. But a claim denial is not necessarily the end of the matter.

If an insurer denies your claim, carefully review the denial letter and the policy provisions the insurer relied upon.

You may want to seek legal advice if the insurance company:

• Denies a claim you believe is covered
• Applies an exclusion you believe does not apply
• Delays investigating or paying the claim
• Undervalues the damage
• Disputes the cause of the loss
• Fails to account for covered property
• Offers a settlement that does not adequately address the covered loss

Insurance disputes can involve detailed policy language and factual questions about how the damage occurred.

Frequently Asked Questions About Alaska Homeowners Insurance Claims Coverage

Does homeowners insurance cover frozen pipes in Alaska?

It may cover damage caused by a frozen or burst pipe when the policy covers the loss. Coverage can depend on the circumstances, including whether the homeowner took reasonable precautions to prevent freezing.

Does homeowners insurance cover a hotel if my house is damaged?

A policy may provide loss of use or additional living expense coverage when a covered loss makes the home uninhabitable. The policy determines which expenses qualify and the applicable limits.

Does homeowners insurance cover belongings outside the home?

Certain personal property may be covered away from the residence, depending on the policy. Special limits and exclusions can apply.

Does homeowners insurance cover injuries to visitors?

Potentially. Personal liability coverage may apply when the homeowner is legally responsible for a covered injury. Medical payments coverage may also provide limited coverage for certain guest injuries.

Does homeowners insurance cover a tree that falls on my house?

It may. Coverage depends on the cause of the fall, the resulting damage, and the policy’s provisions and exclusions.

Does homeowners insurance cover smoke damage?

Homeowners insurance may cover smoke damage from a covered event even when flames did not directly damage the home.

Can homeowners insurance cover a loss that happens away from my house?

Potentially. Personal property and personal liability coverage can extend beyond the physical residence in certain circumstances, subject to the policy’s terms.

Alaska Homeowners Insurance Claims

Homeowners insurance can provide broader protection than many Alaska homeowners realize. A policy may potentially respond to unexpected losses involving frozen pipes, temporary housing, personal belongings, guest injuries, falling trees, smoke, theft, and other circumstances.

However, coverage depends on the policy and the facts of the loss. Exclusions, deductibles, coverage limits, endorsements, and policy conditions all affect the outcome.

If your Alaska homeowners insurance company has denied a claim, delayed payment, disputed coverage, or offered less than you believe your covered loss is worth, consider having the claim and policy reviewed by an attorney experienced in insurance disputes.

Johnson Law, P.C. represents Alaskans in insurance coverage disputes and other legal matters. Our office can review your insurance policy, the circumstances of your loss, and the insurer’s position to help determine what options may be available.

Disclaimer: This week’s article series provides general educational information about Homeowners Insurance In Alaska, Alaska Homeowners Insurance Claims and Alaska Homeowners Insurance Exclusions. However, it is not legal advice and does not create an attorney-client relationship. Because every case is unique, consult a qualified Alaska personal injury attorney about your specific circumstances.

Johnson Law, P.C. has been helping injured Alaskans and those injured while visiting Alaska for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image generated and modified using ChatGPT – Prompt: A beautiful Alaskan home damaged by fire

Homeowners Insurance in Alaska – Learn how homeowners insurance works, what it covers, key exclusions, deductibles, endorsements, and what to know before filing a claim.

Homeowners insurance in Alaska protects more than the walls and roof of your home. A homeowners insurance policy can provide protection for your property, personal belongings, and certain liability claims. It may also help with expenses when a covered loss makes your home temporarily unlivable.

For Alaska homeowners, understanding how homeowners insurance works is especially important. Alaska properties can face unique risks, including extreme winter weather, frozen plumbing, wildfires, heavy snow and ice, earthquakes, and other hazards.

But homeowners insurance policies are not all the same. What your policy covers depends on the specific policy language, coverage limits, exclusions, deductibles, and endorsements.

Understanding those basics can help you make informed decisions about your insurance and recognize potential problems when you need to file a claim.

What Is Homeowners Insurance In Alaska?

Homeowners insurance is a contract between you and an insurance company. In exchange for your premium, the insurer agrees to provide certain protections described in your policy.

A typical homeowners policy may include several different types of coverage:

• Dwelling coverage for the insured residence
• Other structures coverage for certain detached structures
• Personal property coverage for covered belongings
• Loss of use coverage when a covered loss prevents you from living in your home
• Personal liability coverage for certain claims involving bodily injury or property damage
• Medical payments coverage for certain injuries to others

Each category has its own terms, conditions, limits, and exclusions.

That is why homeowners should not assume that a policy covers – or excludes – a particular loss without reviewing the actual policy.

Why Homeowners Insurance Matters in Alaska

Alaska homeowners face risks that can be different from those encountered in other parts of the country.

Winter temperatures can cause plumbing to freeze. Heavy snow and ice can put stress on roofs and structures. Wildfires can threaten homes and communities. Earthquakes present another significant risk in many parts of the state.

The important question is not simply whether an event is common in Alaska. The important question is whether your insurance policy provides coverage for the resulting loss.

Some risks may require additional coverage or endorsements rather than relying solely on a standard homeowners policy.

What Does a Homeowners Insurance Policy Protect in Alaska?

Homeowners insurance generally provides protection in several broad areas.

Your Home

Dwelling coverage can protect the physical structure of the insured home against covered causes of loss.

This can include the home’s roof, walls, floors, built-in fixtures, and other components described by the policy.

The amount of dwelling coverage should be carefully considered. The cost to rebuild a home may differ significantly from its market value.

Other Structures

Your homeowners policy may also provide coverage for certain structures that are separate from the main residence.

Depending on the policy, this could include structures such as:

• Detached garages
• Sheds
• Fences
• Certain outbuildings

Coverage limits and exclusions apply. Review your policy and ask your insurance agent questions to fully understand what your policy covers.

Your Personal Property

Homeowners insurance can also protect covered personal belongings.

Personal property may include furniture, clothing, appliances, electronics, and other possessions. However, certain categories of valuable property can have special limits.

For particularly valuable belongings, homeowners may need additional coverage or an endorsement.

Your Liability

Homeowners insurance is not only about repairing property.

Personal liability coverage may protect a homeowner against certain claims when the homeowner is legally responsible for bodily injury or property damage to another person.

Depending on the circumstances and policy, liability coverage may also help with certain legal defense costs.

Temporary Living Expenses

A serious covered loss can make a home temporarily uninhabitable.

Loss of use or additional living expense coverage may help with certain necessary additional expenses while the home is being repaired or rebuilt.

The amount and duration of this coverage depend on the policy.

Understanding Your Homeowners Insurance In Alaska Deductible

A deductible is the amount you generally must pay toward a covered loss before the insurance company pays the remaining covered amount, subject to the policy’s terms.

For example, if a covered loss results in $20,000 in covered damage and the applicable deductible is $2,000, the insurer may pay $18,000, assuming no other coverage limitations apply.

Not every loss will work exactly this way. Some policies contain different deductibles for specific risks, and certain losses may be subject to percentage-based deductibles.

Alaska homeowners should read their policy, ask questions and understand their deductibles before a major loss occurs.

Replacement Cost vs. Actual Cash Value

Another important distinction is whether your policy provides replacement cost coverage or actual cash value coverage for particular property.

Replacement cost generally refers to the cost to repair or replace covered property without deducting depreciation, subject to the policy’s requirements and limits.

Actual cash value generally takes depreciation into account.

The distinction can make a substantial difference in the amount an insurance company pays after a covered loss.

What Are Insurance Endorsements?

A standard homeowners policy does not necessarily provide every type of protection a homeowner may need.

An endorsement can modify or add coverage to a policy.

For example, homeowners may purchase additional protection for certain risks or categories of property that are subject to exclusions or limited coverage under a standard policy.

This is particularly important in Alaska, where homeowners may want to consider whether additional coverage is appropriate for risks such as earthquakes, flooding, sewer or drain backups, or valuable personal property.

Why Policy Exclusions Matter

Homeowners often focus on what their policy covers. But understanding what the policy does not cover can be equally important.

An exclusion can prevent coverage for a particular type of loss even when the homeowner has otherwise valid homeowners insurance.

Some exclusions can also be modified through endorsements or separate insurance policies.

This is why homeowners should review their policy and ask questions before a loss occurs rather than discovering a coverage limitation after significant damage has already happened.

What Happens When You File a Homeowners Insurance Claim In Alaska?

When a covered loss occurs, the claims process typically involves several steps.

You may need to:

1. Protect the property from additional damage when reasonably possible.
2. Document the damage with photographs and other records.
3. Notify your insurance company.
4. Provide information and documentation requested by the insurer.
5. Obtain estimates for repairs or replacement.
6. Work with an insurance adjuster.
7. Review the insurer’s coverage determination and payment.

The process can become more complicated when the insurer disputes the cause of the loss, questions the amount of damage, applies an exclusion, or denies the claim.

What Should You Do After Significant Home Damage?

After a major loss, take reasonable steps to protect yourself and your property.

Document Everything

Take photographs and videos of the damage before making substantial repairs, when it is safe to do so.

Keep receipts for emergency repairs, temporary accommodations, damaged property, and other expenses related to the loss.

Prevent Additional Damage

Homeowners generally should take reasonable steps to prevent further damage. For example, a homeowner may need to address a broken window, leaking roof, or other immediate problem.

However, preserve evidence and document the original condition whenever possible.

Do Not Assume the Insurance Company’s Decision Is Final

An insurance company’s initial determination is not necessarily the final word on whether a claim is covered or how much the loss is worth.

If your insurer denies a claim, delays payment, or offers substantially less than you believe the covered loss is worth, carefully review the explanation and the applicable policy provisions.

Frequently Asked Questions About Homeowners Insurance in Alaska

Is homeowners insurance required in Alaska?

Alaska law does not generally require homeowners to purchase homeowners insurance simply because they own a home. However, a mortgage lender may require insurance as a condition of the loan.

Does homeowners insurance cover everything that might happen to my home in Alaska?

No. Homeowners insurance provides coverage only for losses addressed by the policy. Exclusions, deductibles, coverage limits, conditions, and endorsements can affect whether a particular loss is covered.

Is homeowners insurance based on the value of my home in Alaska?

Not necessarily. Dwelling coverage is generally intended to address the cost of repairing or rebuilding the insured structure after a covered loss, subject to the policy’s terms and limits. Market value and replacement cost are not the same thing.

Should Alaska homeowners consider additional insurance coverage?

Potentially. Homeowners should consider the risks associated with their property and determine whether additional policies or endorsements are appropriate. Earthquake, flood, sewer backup, and certain high-value belongings are examples of areas that may require additional consideration.

What if my homeowners insurance claim is denied?

Start by reviewing the denial letter and the policy provisions cited by the insurance company. If you believe the insurer incorrectly denied coverage, improperly applied an exclusion, delayed the claim, or undervalued your loss, you’ll want to consult an attorney experienced in insurance coverage disputes.

Two Important Homeowners Insurance Questions

One of the most important things homeowners can do is understand both what their insurance may cover and what it may not cover.

Some homeowners are surprised to learn that their policies may provide coverage for losses they never realized were insured. Other homeowners discover after a major loss that an important risk was excluded or subject to a coverage limitation.

These issues deserve separate attention.

What Surprising Claims Might Homeowners Insurance Cover?

Homeowners insurance may provide coverage for certain unexpected losses involving property damage, personal belongings, injuries to guests, temporary living expenses, and other circumstances.

[Read: Alaska Homeowners Insurance Claims: Ten Surprising Claims That May Be Covered By Your Homeowners Insurance]

What Does Homeowners Insurance Not Cover?

Homeowners insurance does not cover every type of property loss. Exclusions, limitations, deductibles, and policy conditions can create significant coverage gaps.

[Read: Alaska Homeowners Insurance Claims: What Homeowners Insurance Does Not Cover in Alaska]

Homeowners Insurance Claims in Alaska

A homeowners insurance policy can provide valuable protection, but understanding that protection requires more than knowing that you have insurance.

The type of policy you have, the coverage limits you selected, the cause of the loss, applicable exclusions, deductibles, endorsements, and the circumstances surrounding the claim can all affect your recovery.

If you have suffered significant property damage in Alaska and your insurance company has denied your claim, delayed payment, disputed coverage, or offered less than you believe your claim is worth, a skilled, qualified Alaska personal injury attorney can help you understand your rights and options.

Johnson Law, P.C. represents Alaskans in insurance coverage disputes and other legal matters. Our office can review your insurance policy and the circumstances of your loss to help determine whether the insurance company has properly handled your claim.

Disclaimer: This week’s article series provides general educational information about Homeowners Insurance In Alaska, Alaska Homeowners Insurance Claims and Alaska Homeowners Insurance Exclusions. However, it is not legal advice and does not create an attorney-client relationship. Because every case is unique, consult a qualified Alaska personal injury attorney about your specific circumstances.

Johnson Law, P.C. has been helping injured Alaskans and those injured while visiting Alaska for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image generated and modified using ChatGPT – Prompt: Beautiful Home In Anchorage, Alaska

What Are the Most Common Spring Break Injuries in Alaska?

Slip-and-fall injuries, burns from heating devices, sledding accidents, and snowmachine-related injuries are among the most common.

At What Age Can a Child Spend Spring Break At Home Alone in Alaska?

Alaska does not set a specific legal minimum age. Parents must evaluate maturity, safety awareness, and emergency preparedness before leaving a child unsupervised.

How Can Parents Quickly Improve Spring Break At Home Safety?

Parents can quickly improve spring break safety at home by focusing on a few high-impact steps. First, clear ice and wet snow from driveways, walkways, and decks to reduce slip-and-fall risks. Test smoke and carbon monoxide alarms, and keep children at least three feet away from wood stoves, pellet stoves, and space heaters. Lock up medications, cleaning supplies, and fuels, especially if you’re spring cleaning. In particular, set clear rules about helmet use for bikes, sleds, and snowmachines, and review basic safety habits like not opening the door to strangers and knowing how to call 911. Small actions taken early in the week can significantly reduce preventable injuries and keep spring break safe and stress-free.

Heating and Fire Safety

Cold spring temperatures often mean continued use of pellet stoves, wood stoves, or space heaters. Alaska homes often rely on supplemental heating sources, increasing burn and fire risks if safeguards are not in place.

Protect Your Home:

• Keep children at least 3 feet from stoves and heaters.
• Install protective screens around fireplaces or pellet stoves.
• Test smoke alarms weekly.
• Create and practice a fire escape plan.
• Store matches and lighters out of reach.

Poisoning and Household Hazards

Spring cleaning during the break can expose children to cleaning agents and chemicals.

Reduce Risks:

• Lock up medications and cleaning supplies.
• Store fuel, antifreeze, and snowmachine fluids securely.
• Never leave buckets of water unattended.
• Keep laundry pods away from younger children.

If a child is exposed to a potentially toxic substance, contact Poison Control immediately at 1-800-222-1222.

Online and “Home Alone” Safety

Some school-age children may stay home for short periods during spring break.

Teach Smart Habits:

• Do not open the door for strangers.
• Keep doors locked at all times.
• Know how to call 911.
• Avoid posting real-time location updates online.
• Limit and supervise screen time.

The National Center for Missing and Exploited Children provides helpful resources for online safety education.

Final Thoughts: Spring Break Safety Starts at Home

To summarize, Spring break should be a time for fun and rest – not preventable injuries. However, in Alaska, fluctuating temperatures and lingering winter conditions create unique safety challenges for families. As snow melts and refreezes, and as heating devices remain in use, everyday activities can carry added risks. By preparing your home, maintaining close supervision, and setting clear safety rules, you can minimize those hazards and help ensure your school-age children stay safe all week long.

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are. Please call Johnson Law to discuss your case: (907)277-3090 or use our online contact form.

And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image created using ChatGPT – Prompt: School-age children enjoying spring break activities at home in Alaska

Heating Oil

Heating a home with oil is common in many Alaskan homes. There is normally a tank outside of the home or in the basement filled with heating oil regularly. The oil pumps into a chamber where the oil is heats in a circulator or heat exchanger. The heat from the chamber becomes in contact with air or water. The water or air distributes through the house by pipes to baseboards, radiator, or through ducts in the house. Increase home heating safety with regular heating oil tank, fuel lines, and furnace inspections at least once a year – especially before winter. In cold places throughout Alaska, systems run constantly, and small leaks or corrosion can quickly become major problems.

Pellet Stoves

These stoves work like wood stoves except they are fueled by pellets. Pellet fuel sources include sawdust, paper, and bark. Pellet stoves burn very hot and clean due to a reduction of smoke and ash. Additionally, pellet stoves require good ventilation and a source of electricity to work properly. However, pellet stoves produce ash and creosote buildup that can block airflow and increase the risk of fire or carbon monoxide exposure. In cold climates like Alaska’s – where stoves may run continuously – weekly ash removal and a full vent cleaning at least once a year are essential to home heating safety. Ensure that you practice safe use with pellet stoves as the flames are real and can cause injury.

Electric Fireplaces

Electric fireplaces or stoves are common heat sources and often used for additional heating and considered a good alternative for home heating safety. The appeal of electric fireplaces is lowered risk because the flame is not real. On the other hand, items around the fireplace can become very hot and even catch fire. Never store items on top of an electric fireplace and keep at least 3 feet of clearance in front of the unit. Always check that proper ventilation allows good heat distribution.  

If you buy a used electric fireplace or stove, ensure that you check the cords for fraying or damage. Do not use units with frayed or damaged cords – these decrease the home heating safety benefit. Plug your electric fireplace directly into a wall outlet – never use an extension cord or power strip. Electric fireplaces draw significant power. Using an extension cord can cause overheating, electrical fires, or tripped breakers—especially during long winter use in places like Alaska.

Home Heating Safety

Home heating safety is especially important throughout Alaska, where long, extreme winters mean heating systems run for months at a time. When equipment operates continuously, the risk of fire, carbon monoxide exposure, and system failure increases. Temperatures can stay below zero for days or even weeks. If a heating system fails, indoor pipes can freeze and burst quickly, causing major property damage and leaving families without shelter during dangerous weather.

Home Heating Safety Benefits

1. Prevents House Fires

Heating equipment is one of the leading causes of residential fires. Furnaces, space heaters, wood stoves, and chimneys can ignite nearby materials if they aren’t properly maintained or spaced. Regular inspections and safe use significantly reduce this risk and increase home heating safety.

2. Protects Against Carbon Monoxide Poisoning

Fuel-burning systems (oil, gas, propane, and wood) can produce carbon monoxide (CO), a colorless, odorless gas that can be deadly. Because CO is impossible to see or smell, it can accumulate unnoticed when furnaces malfunction, vents become blocked, or space heaters are used improperly. As a result, dangerous levels may build up inside the home. Therefore, installing carbon monoxide detectors and scheduling annual equipment servicing are essential steps to increasing home heating safety that can ultimately save lives.

3. Reduces Burn Injuries

Hot surfaces like radiators, wood stoves, and portable heaters can cause serious burns—especially for children and older adults. Keeping safe clearance zones and using protective guards helps prevent injuries.

4. Avoids Freezing and Property Damage

In Alaska, if a heating system fails, indoor plumbing can freeze and burst within hours during severe cold. Safe, well-maintained systems reduce the risk of costly water damage.

5. Lowers Energy Costs

A properly maintained heating system runs more efficiently, not only increasing home heating safety, but also reducing fuel consumption and saving money during long winter months.

Plan ahead – home heating safety considerations are the best way to help avoid potential dangers and ensure a warm winter season.

Johnson Law has been helping injured Alaskans for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Source(s): SMO, “How Does Oil Heat My Home?” and Fireplace Universe, “24 Things You Need To Know About Pellet Stoves” and Twin Star Home, “Are Electric Fireplaces Safe?“

Image created using ChatGPT – Prompt: Family enjoying their warm Alaskan home

Research from the US Center for Disease Control and Prevention reports that more than twelve thousand children 19 and younger die each year from preventable accidents. Safety at home means keeping homes safer for children of all ages.

Keep Kids Safe

Children, especially younger children, get hurt more often because they are smaller and less aware of danger. They are also curious and get hurt in ways that adults would not. Safety at home includes awareness of the most common causes of child injuries will help stop accidents and keep your child safer.

One of the most common accidents that hurt children is falling. Increase safety at home and prevent falls by supervising play activity. Do not let children play on furniture or near open windows. To protect particularly young children, block stairways with safety gates. Do not use baby walkers near stairs.

Children of all ages can choke on food. Some foods, such as hot dogs, hard candies and nuts are responsible for approximately 40% of choking deaths. Help prevent choking by monitoring what your child eats. Cut food into smaller bites when possible.

Preventing the most common burn injuries improves safety at home. Cook on back burners of the stove and turn handles backward, so children cannot pull or knock over pots

Basic Tips For A Safety At Home

• Keeping walkways and stairs clear of clutter to help prevent falls;
• Ensure toys are safe and child appropriate;
• Teaching children to put away toys to avoid tripping over them;
• Keeping small toys away from small children to prevent choking;
• Storing medicines, cleaners, and other chemicals up high and out of reach of children. If storing these items lower, use a child-proof cabinet lock;
• Testing home fire alarms often; and
• Practicing an exit plan with your children in case of fire

Johnson Law encourages Alaskans to adopt safety at home measures for a continued happy holiday season. We recommend these websites to parents and caregivers keen on increasing safety at home:

• Mom Junction – safety for children from birth through early teens;
• Childhood 101 – building a better environment for children 12 and younger; and
• Safe Kids Worldwide – monthly newsletter delivered to your email.

Johnson Law, P.C. has been helping Alaskans for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image Source: I’m The Chef Too

Traveling Over The Holidays

Never post your travel plans online. Sharing your travel details makes you susceptible to intruders in your absence. Even if you feel that your online posts are private. Home safety includes protecting your privacy. Avoid becoming a victim by sharing specific details on the internet – always practice Internet Safety.

Notify a neighbor of your travel plans. The best person to increase home safety and keep an eye on your house is a person living close to you who sees your home throughout the day. Provide good contact information to your neighbor so they can easily reach you in case of emergency.

Do not make your home look appealing to a criminal. Many crimes against home safety occur because of opportunity. If you know that you will be away for extended times, do not order packages that will sit on your door step for days. Ask a friend or neighbor to grab your mail so that your mailbox is not over filling. The post office will also hold mail while you are traveling as a good way to avoid packages being stolen.

Staying Home Over The Holidays

Staying home with family or having visitors at your home are also perfect ways to spend the holiday season. It is still important to implement home safety precautions and not make yourself a target.

Do not put your tree in front of an open window with presents all around. Presents under the tree look nice. They also attract attention. Hide presents in safe locations until you plan to actually open them up. Burglars may drive by, see a tree in the window with presents surrounding it and make your home a target while you are away.

Finally, home safety includes checking the exterior of your home frequently. Walk around your home to look for oddities, lock all exterior doors before leaving home, and ensure your garage door is closed every night.

Christmas Lights And Home Safety

Fire hazards increase during the holidays. Before you string lights on the house or the tree, be sure to inspect the strands for frayed cords or cracked lamps. To prevent an accidental fire, replace any broken lamps, and throw away strands with frayed cords.

Home Safety Is a Key Part of Holiday Safety

Plan ahead – home safety considerations are the best way to help avoid potential dangers and ensure a wonderful holiday season.

Johnson Law wishes everyone a Safe and Happy Holiday Season. Johnson Law has been helping injured Alaskans for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Sources: Safewise: How to Keep Your Home Safe and Secure During the Holidays

Image Source: Anchorage Daily News

Engine Maintenance

Change the oil and oil filter to prepare for winter storage. What some people don’t realize, is that an oil change before storing your car for winter is a good idea. When your oil is old, moisture and debris can build up in your engine. Engine oil holds small particles that when not filtered, can cause corrosion within the engine. Additionally, boats commonly have issues with water getting into the engine and resting water makes for bigger problems later. It is also important to change the oil on smaller equipment, such as lawnmowers. Check manufacturers recommendations to determine the proper oil weight for storage.

Remove batteries and keep them in a cool, not cold, dry place through the Alaska winter. Consider a trickle charger. In Alaska, trickle chargers (or battery maintainers) are essential for vehicles not driven daily, especially in winter, to combat extreme cold that drains batteries. Finally, make sure that batteries are at 100% charged prior to storage.

Exterior Storage

Tires sitting for long period of winter storage can rot or become damaged from the suns UV rays. It is good to over inflate tires to avoid flat spots or dry rot. Storing your equipment on jack stands can also be beneficial. If available, use tire covers and do not forget to check tires on trailers.

Wash your outdoor equipment before winter storage to remove debris, dried mud, bug guts and other buildup from the exterior of stored equipment. Consider covering your equipment for prolonged periods of storage.

Alaska Winter Fuel System Maintenance

Fill the gas tank(s) and add fuel treatment. The fuel treatment will prolong the life of the gas so it is still usable come warmer weather after the long months of winter storage. Condensation can build up within empty tanks making it susceptible to rust or corrosion, a full tank helps avoid these issues.

To sum up, preparing for winter in advance is the best way to protect your equipment and avoid potential disasters later. Alaska winter is here. A little planning goes a long way to ensuring better living. Regardless of the season.

Johnson Law has been helping injured Alaskans for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image Source: Alaska Structures

What Is Carbon Monoxide

Carbon monoxide, also known as the silent killer, is an odorless gas that can enter the blood stream and cause serious illness or death. Consequently, too much in the air causes the body to replace the oxygen in red blood cells with the carbon monoxide. Most importantly, knowing the signs of poisoning and how to prevent it can save your life.

Signs And Symptoms of Poisoning

Carbon monoxide poisoning can occur from both overexposure in single incident or exposure in small amounts over an extended period of time. You may be exposed and not know for several days. This can lead to long term effects. Stay alert for signs and symptoms of this type of poisoning including a dull headache, weakness, dizziness, vomiting, shortness of breath, and loss of consciousness.

If you think you have carbon monoxide poisoning, seek medical treatment. In most cases, medical treatment involves hyperbaric oxygen therapy, where the patient breaths pure oxygen in a chamber with pressure higher than normal to replace the carbon monoxide with oxygen.

Prevention

Prevent poisoning by installing carbon monoxide monitors on every level of your home and work place. Furthermore, install monitors lower to the floor for faster detection and never ignore alarms.

Never run a vehicle in a garage because exhaust needs plenty of air circulation.

A few additional safety measures to prevent this danger within your home:

• Have your heating system, water heater, dryer and other gasoline operated appliances inspected each year by a qualified technician;
• Do not heat your home with a gas stove;
• Do not use a generator, grill, camp stove or other gasoline operated device inside your home;
• When using a fireplace, make sure it is properly vented before each use;
• Do not use any gasoline-powered engine (mowers, snow blowers, chains saws) in enclosed spaces;
• For additional research material Indoor Air Quality (IAQ)

To sum up, please stay safe and warm this winter season. Protect yourself and your family by taking recommended safety measures and staying aware of carbon monoxide poisoning dangers.

Johnson Law has been helping injured Alaskans for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Source: Mayo Clinic – Carbon Monoxide Poisoning

Image Source: THE MENA STAR

In addition to this loss, the family is now battling with the insurance company. The argument? Whether the insurance company will provide the coverage they bought so they can begin to rebuild their lives. We took the case and are currently in discussions with the insurance company. We investigated the details of this fire, the amount of loss felt by our clients and were able to help.

Homeowner Reminders

This case reminded our office of several tips for homeowners. Especially as we approach the holiday season. These thoughts may ease the difficulty in the event of a house fire. In fact, we hope some may help prevent serious loss and injury:

• Take pictures or video of every item worth $100 (or more) in every room of the house (include serial numbers) to strengthen potential insurance claims;
• Check/test fire alarms on a regular basis;
• Change fire alarm batteries as soon as they are getting low;
• Keep bar-b-que grills and supplies a safe distance from your home, including the charcoal for charcoal grills;
• Regularly maintain your chimneys, fireplaces, wood stoves, etc.;
• Keep a fire extinguisher easily accessible on every level of your home;
• Have a fire escape plan for your family and practice it with your children.

Keep Children Safe Through the Holidays and Beyond

Children are at high risk during a home fire. The homeowner reminders for parents that help reduce injuries and damage include: installing and testing smoke alarms, and ensuring fire extinguishers are working, as well as creating practicing family escape plans. More critical than anything else is teaching children fire safety rules. For example:

• Never play with matches or lighters;
• How to drop low to the ground if a fire alarm sounds;
• How to stop, drop, and roll if clothing catches fire;
• How to follow the fire escape plan. In an emergency, children should know how to get out and stay out;
• How to call 9-1-1 after they are safely outside. 

We hope that these reminders help keep your home and more importantly your family safe in the event of a house fire. (Click here for more Home Safety ideas). Family safety is always a first priority, Alaska. However, should such devastation strike and the insurance company deny coverage, give us a call. We are here to serve you and your family.

If the unthinkable happens, call Johnson Law at (907)277-3090 or use our Contact Form to discuss your homeowner insurance questions.

Johnson Law has been helping injured Alaskans for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image Source: Joint Base Elmendorf-Richardson (JBER, Alaska)

Be Aware of Hazards

Kitchens hold many potential hazards, such as sharp utensils, hot stove tops and ovens, heavy objects like canned goods or kitchen appliances, as well as toxic cleaning supplies. There are many opportunities for injuries while working in the kitchen, especially with children.

Common injuries and emergencies that happen on Thanksgiving include lacerations from kitchen knives, burns from cooking-related incidents, and kitchen fires. Be prepared by keeping sharp objects out of reach and inaccessible to children. Cover hot stove burners and use the back burners as much as possible. Never allow kids in the kitchen unsupervised. If necessary, have a gate or barrier to keep children out of harms way.

Part of Child Kitchen Safety is Being Prepared

Prepare your home for company before having family and friends over for the holidays. Clear hazards from all living areas and close doors to any rooms that guests shouldn’t enter. Unplug toasters, blenders, coffee makers, food processors, and other small appliances when not in use and store them out of the reach of children.

Check your first aid kit and ensure all commonly used supplies are available. Have a fire extinguisher in the kitchen in case of unexpected flames.

In the event someone ingests a poisonous substance, call the Alaska Department of Health’s Poison Help number: 1-800-222-1222 immediately.

Practice child kitchen safety and keep kids safer this for a Happy Thanksgiving and joyful holiday season. Child safety is always a first priority, Alaska.

Johnson Law has been helping injured Alaskans for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image Source: University of Alaska, Anchorage

Prepare Your Home

Ensure you prepare your home ahead Spring Break travel. It is a good idea to unplug major electronic items such as computers and televisions before you leave. This will help reduce energy consumption while you are away and protect your electronics in case of power outages.

Store valuable items in a safe place and lock exterior doors and windows to deter intruders. Park your vehicle in a well-lit area or in a garage if you are using it for the trip. Let a neighbor know you are traveling for Spring Break and provide contact information, so they can reach you in an emergency.

College Students Traveling For Spring Break Without The Family

College students may choose to take advantage of the time off to visit home or travel to a popular destination. Spring Break travel for a young college student may be their first time taking a trip without parents. It is important that families communicate about travel plans.

Parents of college students should ask questions. Ask where your child will be staying during their trip and who will be their travel companion. Get names, phone numbers, and addresses ahead of time. Ensure you have a recent photo of your child in case of emergency. Ask your child to regularly check in with you while they are traveling for Spring Break and provide a safe word in case they are in danger. It could save their life.

For students traveling for Spring Break, you can stay safe by being aware of your surroundings, practicing safe drinking, and traveling with friends. 

Spring Break Travel Safety Tips

• Never travel alone
• Share your location with friends and family when traveling for Spring Break
• Stay aware of your surroundings
• Don’t go out alone, especially at night
• Drink responsibly
• Trust your instincts and leave if you feel unsafe
• Lock your hotel door
• Don’t share your room number or location with strangers
• Practice safe driving
• Don’t text while driving

What To Do In Case Of An Injury During The Trip

If you or a family member become injured during Spring Break travel due to someone else’s negligence, you may need to hold the negligent party responsible. Ensure that you take photos of the scene while you are there and gather details immediately. It can be difficult to get information once you leave the location of the incident. 

Whether traveling or spending Spring Break at home, Johnson Law wishes everyone a safe and enjoyable spring season.

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are.

And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Please call Johnson Law to discuss your case: (907)277-3090 or use our online contact form.

Sources: CBS News; Life 360

Image Source: On Call International

Ice And Snow Removal – Driveways And Walkways

Removing ice and snow from driveways and walkways regularly is important. If you wait, a thick layer of ice can form and make it harder to remove later. Additionally, leaving snow and ice to buildup on driveways or walkways creates a safety risk for falling when walking to your house or getting into and out of vehicles in your driveway. It is also easier to maintain a driveway or walkway rather than waiting until several inches of snow have built up.

Salt can be helpful with keeping ice and snow off driveways and walkways but can be dangerous to pets and the environment. Additionally, some temperatures are simply too cold for ice to work. Before purchasing ice, read the label to make sure it is safe for your area and lifestyle. Consider pets, plants or greenery under the snow that may be affected and wildlife. Salt can attract wildlife to your walkway and put your family in danger.

Fire Hydrants

If you have a fire hydrant on your property, take the time to remove the ice and snow around it. If there is an emergency, firefighters do not want to deal with removing snow before being able to assist with a fire. In some areas of Alaska, the area surrounding fire hydrants is handled by the borough. If you notice hydrants are not being maintained, take initiative to report it. If the fire hydrant is on your property, spend the extra time to clear the ice and snow from the surrounding area. Be careful not to damage the hydrant.

Look Up

ice and snow can accumulate around doorways and roofs. If you notice ice crystals forming, consider removing ice from overhead to avoid falling ice when temperatures warm up. It is also important to keep an eye on the snow building up on roofs. Too much snow accumulation can fall and hurt someone or cause other damage.

If you are unable to remove ice and snow yourself at your home, consider calling a professional before too much builds up. During peak winter months, it can take days for someone to come out and remove snow. If you are visiting family or friends and are injured at their home, you may need to contact an attorney to discuss potential claims.

Ice And Snow Removal – Windshields

Cleaning off your vehicle before driving down the road is imperative to keeping Alaskan roads safe. Ice and snow often builds up on windshields and needs to be cleaned off before driving. If you store your vehicle outside, lift wipers so they do not stick to the windshield.

Be cautious of how you defrost windshields and plan ahead. It is best to let your car warm up for five minutes before turning the defroster on in the vehicle. Letting your car warm up allows the internal temperature to gradually raise so the windshield does not crack.

Defrost windshields correctly to avoid cracking. It is best to let your vehicle warm up for at least five minutes before turning the defroster on. If you have auto start, turn the defroster to the “off” position before leaving the vehicle. Using the defroster in a cold car may cause the windshield to crack. Pouring hot water onto a windshield may also cause the windshield to break.

Windows

While the car is warming up, use a scraper to clean off other windows and glass. It is important to be able to see out of the vehicle while driving. It is also the law in Alaska. Ice buildup blocks the drivers view and causes safety concerns. Wear gloves when you are removing ice from windows and glass to avoid frost bite.

Snow and Ice Removal

Before driving down the road, remove ice and snow from your vehicle. Snow can blow off while driving and cause a motor vehicle accident. Remember, if you push snow right off your vehicle, large piles may make it more difficult to drive away. Move snow to an area away from regular traffic rather than pushing it straight to the ground. Always wear gloves when cleaning off vehicles as cold snow and ice can be cold and dangerous to your skin.

It is important to remove snow and ice from vehicles to keep Alaskan roads safe. Please do your part by properly cleaning your vehicle before driving.

This piece on Removing Ice and Snow Safely is the eighth of a nine-part winter safety series. See our safety tips for Outdoor Winter Walking Safety; Keeping Kids Safe and Warm; Heating Your Home; Cold Weather Vehicle Safety; Driving in Ice and Snow; Snowmachine Safety; and Surviving Extreme Cold.

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Sources: Alaska Administrative Code; Family Handyman; Angi.com

Image Source: Family Handyman

Preparation and Ongoing Safety For Heating Your Home

Properly preparing the source for heating your home will keep you and your family safer and warmer during Alaska’s cold winter months. Children should not stand too closely or lay right next to a fire or stove. Keep children safe by speaking with them about the dangers of fire. Explain the importance of allowing plenty of room near a fire so that no one gets hurt.

Inspect your home heating fuel tank to help avoid costly cleanup and damage. Keep tanks and piping away from areas with high traffic. Check to make sure the vent line is clear of foreign matter. Ensure visible connections are clean and flexible, giving them space to move with the freeze/thaw cycles.

Discuss fire safety when using an open flame for heating your home. Clean up around the fireplace or gas stove before lighting anything. Some things can get too hot and catch fire unexpectedly. Avoid disaster with a little cleanup ahead of time.

Heating Your Home Using A Fuel Tank

If heating your home with a fuel tank, track the level of fuel, especially when temperatures drop below zero.  With a full tank, you won’t have to worry about the fuel level running low. Measure and monitor fuel usage and compare it to past seasons.

The fuel for heating your home is poured through a pipe leading into the tank. Clear path to your tank to ensure the company that fills your oil tank always has good access. Some Alaskans fill their own tank to save money.  Be cautious when filling up your own tank in extreme cold.  Protect yourself by wearing cold weather gear. At least wear heavy-duty gloves and a coat. 

Heating Your Home With A Pellet Or Wood Stove

Keep a surplus of wood or pellet fuel for heating your home.  If you use a wood burner, make sure to burn well dried wood in order to prevent condensation in the chimney. 

Condensation also occurs from a process through the exhaust gases. Exhaust gases contain water. The fire vaporizes the water which is carried through the smoke.  In extreme temperatures, the gases get so cold they freeze inside the chimney, preventing proper air flow.  Properly insulated stove pipes on your furnace help prevent the condensation from occurring.

Fireplaces

Fireplaces are a great way to warm up your home on cold winter days but there are several safety concerns with indoor fires. Ensure you are practicing good fire safety for not only open flame but gas fireplaces too.

Open the damper or flue on fireplaces before starting a fire. The smoke is drawn out of the house eliminating build up in the house. Use the proper type of wood for fireplaces. Use well-dried and well-aged wood for less smoke buildup. Finally, get your chimney cleaned by a professional each year to avoid build up on the chimney walls.

Gas Stoves

Do not fall into a lull with fire safety because you think gas stoves or gas-powered fireplaces are safer for heating your home. The gas stoves get really hot and increase safety hazards because people are often less careful with them. Never store items on gas stoves. Jackets, blankets, stuffed animals and other items can melt easily from the heat produced by a gas stove or fireplace.

This piece on Heating Your Home is the fourth of a nine-part winter safety series. See our safety tips for Outdoor Winter Walking Safety; Keeping Kids Safe and Warm; Cold Weather Vehicle Safety; Driving in Ice and Snow; Snowmachine Safety; Removing Ice and Snow Safely; and Surviving Extreme Cold.

Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Sources: Cooperative Extension Service; SOA Prevention Preparedness

Image Source: Taylored Restoration Alaska