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Along with layers of snow, one of the worst winters in recent memory is sure to bring an avalanche of insurance disputes over property damage, says Houston attorney Phillip Sanov, head of The Lanier Law Firm's Bad Faith Insurance Practice Group. The two most common snow damage claims stem from leaky roofs and flooding from broken water pipes. "Insurance carriers will try to deny the vast majority of these claims, but home and business owners can take a few steps to be ready," says Sanov, who recommends preserving all evidence of damage, like taking photos or video, to help prevent claims of pre-existing conditions or insufficient proof. In many instances, insurers make the decision to resolve claims only after being faced with legal action, Sanov says. To interview Mr. Sanov, contact Alan Bentrup at 800-559-4534 or alan@androvett.com.