Winterize Your Home—Avoid Costly Insurance Claims This Season
The holidays may be approaching, but before you hang the lights and light the fire, it’s time to prepare your home for winter. Cold weather can cause major damage, and major insurance claims, if you don’t take the right precautions.
Prevent Common Cold Weather Claims
- Frozen Pipes: Insulate exposed pipes, especially in unheated areas like attics or basements. Keep your heat at least 55°F if leaving town.
- Roof Leaks and Ice Dams: Clean gutters and downspouts to prevent blockages. Remove snow buildup after heavy storms.
- Slip & Fall Hazards: If you live in a cold-weather area, keep walkways clear of ice and snow, and repair any cracked concrete before it freezes.
Insurance Tips for Winter Readiness
- Double-check your dwelling coverage to ensure it reflects the current cost to repair or rebuild.
- Understand your deductible and know what’s covered for water damage or burst pipes.
- Schedule a fall maintenance inspection to catch issues before they become costly repairs.
A little prep can go a long way toward preventing claims and keeping your holiday season warm and worry-free.
