Tag Archives: prevent

Protecting Your Home for The Winter

house-54585_640All homeowners know that the winter brings severe weather and with it more wear and tear on their homes. In preparation for the coming winter months, what can you do ahead of time to protect your home?

  • Roofs take a beating in the winter, so this is a good time to make sure that shingles are secure, there are no missing roof parts, no bubbles, no missing tiles, holes, leaks, etc. Now is also a great time to get your roof inspected and make any necessary repairs to avoid the unwanted effects of high winds, heavy snows and pounding rainstorms. If you know there are any damage risks, attend to it now so that a small difficulty doesn’t turn into a disaster later on.
  • Check skylights, vents and chimneys to make sure that no repairs are needed and everything is tight and secure from any water leakage.
  • Check leaders and gutters and make sure that they are clear of leaves, tree branches and any other debris associated with the Fall season. Clogged downspouts often lead to freezing and ice damage later in the season.
  • Make sure that trees and branches are trimmed back and pruned so that any dead branches or tree overhangs don’t fall and damage your roof, chimney, skylights, windows and doors.
  • Make sure furnaces are cleaned and in good working order so that you don’t run the risk of being without heat on those bitter cold days that are sure to come.
  • Check carbon dioxide and smoke detectors, making sure that they are working properly and their batteries have been changed.
  • Check water pipes for any leaks. A small leak can be managed by changing a pipe or repairing a portion of a pipe. If you have an automatic sprinkler system, be sure to contact your service company for a shut-off as well. A large leak can be a nightmare and do considerable damage to your home.
  • Chimneys need to be maintained and cleaned.
  • Make sure you clean out the lint filter in your dryer every time you use it to prevent build-up of lint which is certainly a fire hazard.
  • Check your electrical outlets, plugs and cords for any deficiencies such as wear and tear, overload, and fraying cords.

In short, maintenance is the key to preventing homeowner claims that may be caused by the elements or a lack of attention. If you are in doubt about how to protect your home, speak to your agent. “An ounce of prevention” is surely worth your time so we urge you to embrace this opportunity to safeguard your home.  Good luck and stay warm this winter!

Risk Management: Preventing Black Ice

download (1)You don’t know it’s there until you or someone slips and falls. This is the scariest part about black ice…  The chances of you slipping on black ice areso much higher than on regular ice covered pavements. If someone were to fall on your property, you can be held legally responsible for their injuries. To avoid these types of potential law suits, here are some important safety tips from our partners at Chubb Insurance:

  • Shovel/ plow snow towards lower leveled plains, so there is no snow melt runoff.
  • Position your gutters so that it drains into planted areas, or into a water drainage system and not onto sidewalks or driveways
  • Don’t wait for the temperatures to drop to start putting down salt, sand or ice melt. Place the substances down before the freezing may occur.

We also suggest that you review your liability coverage with your independent insurance agent to be sure you have adequate protection as accidents do happen.