With the winter season swiftly approaching, Americans in the northern half of the country are reluctantly preparing for the cold, snowy weather ahead. Part of this preparation involves adequate protection of the home against damaging snow build-up. There may be nothing we can do about the weather; however, there are many steps that homeowners can take to protect the home both before and after a snow storm in order to reduce damage in addition to reducing possible home insurance claims.
1. Clear Snow Build-up After a Storm
After a chaotic winter snow storm, you may be tempted to just leave the snow piled on the windows, doors and other areas of the home for several days after. For your protection, it's always best to immediately remove the snow from the doors and windows to ensure that the snow doesn't melt, enter your home and cause serious water damage.
2. Check Drains and Gutters
In preparation for a winter snow storm, always check the drains and gutters on your home to be sure they are clear of dirt and debris. By verifying that these areas are clean, you ensure your protection against clogs in the draining systems that may cause damage to the systems themselves in addition to your home.
3. Leave the Heat On
It may not seem like the most economically reasonable thing to do (especially considering how high the heating bill can get in the winter), but for maximum protection against plumbing accidents, it is always more pragmatic to leave the heat running at all times. Failure to leave the heat on can cause your pipes to freeze, which can likely make them burst and flood the home, causing damage that would certainly cost more than the small increase in the electric bill.
My House is Paid Off - Do I still need Homeowners Insurance?
As a homeowner, you probably had to initially get your homeowners insurance policy as a requirement when you got your mortgage. This is because the lender had a lien on the home, meaning that the l...
Read More →
Homeowner Basics: Exploring your Home Insurance Options
As a homeowner, you have a lot of decisions to make. One of the most important is choosing the right insurance to protect you and your finances in case the unexpected occurs. While understanding in...
Read More →
Insurance Coverage for Renters With Negligent Landlords
As a young, inexperienced renter, you may think that your landlord has a home insurance policy that will protect you, and that that coverage will pay the cost to repair any damage to your property....
Read More →