1/14/2013 3:41 AM

Winter-Proofing Your Home

Winter related disasters cause over one billion dollars in damage annually. Many losses can be prevented if you take a few steps to protect your home. Melting snow can cause serious damage to property and winter storms are the third largest cause of catastrophic losses. Water damage and freezing account for the most frequent claims, followed by wind and hail.

An important part of planning for winter is to review your insurance coverage.  Make sure you have enough to rebuild home and replace lost or damaged items.  If you don’t have flood insurance, please contact us about how you can obtain this important protection. Here are some tips on how to prepare your home:

Outside Your Home
~Clean out gutters.  This can prevent drainage problems caused by ice that can cause water to seep into the house and drip from the ceiling and walls.  Installing gutter guards can also help prevent debris from entering the gutter and interfering with water flow.
~Trim trees and remove dead branches, which can break and damage your home.
~Repair steps and handrails.  This may prevent someone from falling and being injured.
~Seal cracks in the holes in outside walls and foundations.  

Inside Your Home
~Keep the house warm.  Add extra insulation to attics, basements, and crawl spaces.
~Have the heating system serviced.  
~Install emergency pressure release valve in your plumbing system.  This will protect the system against pressure that’s cause by freezing pipes and help prevent them from bursting.
~Make sure the smoke and fire alarms work properly. Also consider installing a carbon monoxide detector.
~Hire a licensed contractor to look for structural damage.  If damaged is discovered, have it repaired now rather than waiting for a problem to occur.


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