Although avalanche danger doesn't affect most of us on a day-to-day basis, there's something fascinating and terrifying about the possibility of being buried beneath a tidal wave of crashing snow. It's easy to think an avalanche won't happen to you, but it isn't impossible: just last year a massive slide was triggered in a neighborhood in Missoula, Montana, resulting in one fatality and severe damage to several homes.
Avalanche Basics
Avalanches occur when loose snow or snow slabs dislodge and begin to move downhill, reaching speeds of up to 80 miles per hour and causing major destruction in their wake. Some avalanches are caused by humans, but many are triggered by sudden changes in wind, weather, or temperature.
Avalanche Statistics
- Backcountry skiers and snowmobilers account for the highest percentage of avalanche fatalities.
- The majority of avalanches that result in fatalities are triggered by the victim or somebody in the victim's party.
- The perfect angle to promote an avalanche is between 30 and 45 degrees, angles that, unfortunately, also makes for great skiing and snowboarding.
- After 18 minutes, the likelihood of an avalanche victim's survival plummets from 91 to 34 percent.
- Approximately 25 people per year die in avalanches in the United States.
- Most avalanche victims around 75 percent are experienced backcountry skiers.
Get Covered, Not Buried
Whether you're an avid backcountry skier or simply a homeowner in an area susceptible to avalanches, there are things you can do to make sure that you and your family will be able to recover from any loss or damages that occur as the result of an avalanche. Here are a few options:
Snowmobile insurance: Just like car insurance, snowmobile insurance can be purchased to cover multiple vehicles and drivers under a single policy. A basic plan will cover damage to you or your snowmobile in the event of an accident or collision. Extended plans may include uninsured/underinsured driver coverage, accessory coverage, or increased liability coverage. Snowmobile insurance is required in some states and national parks.
Winter sports travel insurance: If you are planning a getaway to a snowy wonderland, consider purchasing winter travel insurance, especially if your agenda includes winter recreation. In addition to the basics of any travel policy, which protect you in the event of delayed flights or stolen luggage, a winter travel insurance policy will cover losses due to accident or injury related to a variety of winter sports, from ice hockey and snowshoeing to more risky sports like backcountry skiing and snowmobiling.
Natural disaster insurance: Most homeowner's insurance policies do not cover natural disasters like avalanches, but it's easy to get additional coverage if your home is at risk. If you live in an area prone to avalanches, look into purchasing a supplemental policy and make sure your home is fully insured.
Whether you're a winter sports fanatic or just a homeowner in a snowy climate, make sure you and your family are fully protected. When the unthinkable happens, you'll be glad you're covered.
For more information about insurance, call or contact Insurance Wagon today.