As winter approaches, the days grow shorter and the temperatures drop, it’s natural to worry about keeping your home safe and warm. Taking a few proactive steps now can prevent future stress and costly insurance claims.

Insulate Exposed Pipes

To avoid the costly and messy problem of burst pipes, focus on insulating those that are exposed, especially in basements and exterior walls. Consider using insulation sleeves or wrapping pipes with heat tape as a practical, preventive measure.

Schedule a Heating System Checkup

An annual inspection of your heating system can spare you the unpleasant surprise of a breakdown during a cold snap. A professional checkup ensures your system is running efficiently, which can save on energy costs!

Clear and Check Solar Panels

For homes with solar panels, activating winter modes and clearing snow after storms is key. This not only maintains efficiency but ensures the panels work even during shorter, cloudier days.

Boost Indoor Air Quality

Improve your indoor air quality by using HEPA filters to capture viruses and particles. For those dealing with dust and allergens, opting for MERV 13+ filters in HVAC systems or portable units can make a marked difference.

Document Your Home Digitally

Streamline potential insurance claims by creating a digital video walkthrough of your home and valuables with your smartphone. This documentation can be invaluable in case of damage.

Seal Gaps Around Windows and Doors

An often overlooked but effective method for retaining heat is sealing any gaps around your windows and doors. Weather stripping or caulking can help reduce energy bills and keep your home cozier.

Update Smart Thermostat Settings

Consider updating your smart thermostat’s settings to optimize efficiency. Many models can adjust automatically to the best times for heating, often reducing waste. Try setting temperatures between 68°F and 70°F while home to balance comfort and savings.

Clean Out Gutters

Prevent ice dams and potential water back-up by cleaning gutters of leaves and debris before snow starts to fall heavily. This simple step can save your roof and foundation from water damage.

Implementing even a few of these steps can make a big difference in protecting your home during winter. Stay proactive, and remember, it’s never too late to start preparing. If you’re unsure what your homeowners insurance covers during winter weather events, consider reviewing your policy with us today.