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Get Ready Before the Chill Hits

As the temperatures begin to dip, the anticipation of cozy nights by the fireplace grows—along with the concern for keeping your home safe and warm. Fear not! Taking a few proactive steps now can save you stress and costly insurance claims later on.

Schedule a Heating System Checkup

A broken heater is the last thing you need during a cold snap. Schedule an annual inspection to ensure your system is running efficiently and to catch any potential issues before they turn into costly repairs.

Boost Indoor Air Quality

Invest in HEPA filters to capture viruses and airborne particles, or opt for MERV 13+ filters to tackle dust and allergens in your HVAC system or portable air units. This will help maintain a healthy atmosphere inside your home during winter months spent indoors.

Update Smart Thermostat Settings

Modern smart thermostats can automatically adjust to minimize energy waste. Set yours between 68°F and 70°F while home to keep comfortable without inflating your heating bills.

Seal Gaps Around Windows and Doors

Prevent drafts by sealing any gaps around windows and doors. This classic method is highly effective at retaining heat and reducing energy bills.

Clean Out Gutters

Clogged gutters can lead to ice dams and water backup, which may cause damage during heavy snowfalls. Clear out leaves and debris before winter sets in to ensure a smooth flow of water.

Document Your Home Digitally

Use your smartphone to create a video walkthrough of your home and valuables. This digital inventory will streamline any potential insurance claims, should you need it.

Clear and Check Solar Panels

If you use solar energy, activate winter modes and clear snow from your panels after storms to maintain efficiency. These steps will save you energy and keep your system running optimally.

Insulate Exposed Pipes

A burst pipe is a homeowner's nightmare. Prevent freezing and bursting by insulating exposed pipes, especially those in basements or near exterior walls.

Stay Proactive this Winter

Even completing a few of these steps can make a world of difference in protecting your home during the cold months. Remember, it's never too late to get started on your winter prep.

If you're unsure what your homeowners insurance covers regarding winter weather events, we invite you to review your policy with us. Staying informed and prepared is always a great strategy.