I hate winter. Being from the northeastern U.S., I can't stand the cold and think snow is a major inconvenience — and many homeowners probably share my feelings.

The frigid temperatures and heavy snowfall in cold-weather states, along with wind and hail storms in other areas, can cause damage to homes, and in many instances result in homeowners needing to file an insurance claim.

The Hartford recently analyzed homeowner claims data from the last five full winters (December to March) and conducted an online survey of 184 of its property adjusters to find out what are the most costliest winter claims. The analysis also determined the five most common winter weather claims and the top five U.S. states for winter weather claims.

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