Home Insurance

Once the weather starts to cool down, it’s not just bears who want to hibernate! We humans also use this time to bundle up and stay cozy in our homes. Since you won’t be able to perform any major maintenance to your home while we’re buried under the snow drifts and cold weather, it’s important to ensure that your home is ready before you hunker down for the season.

First, make sure the outdoor areas are taken care of well before the snow starts to fall. Check areas like your roofline for old or torn shingles, as well as the flashing around your chimney and other areas to ensure that it’s tight and secure. Make sure your gutters and downspouts are clear of leaves and debris before it starts to freeze, or sudden snowmelt and freezing during the winter could create a blockage and cause water damage to your home. Do you have large trees? Make sure any dead or dying branches are taken care of before they collapse under the weight of the snow.

Second, make sure your home is protected from the inside out. If you have a fireplace and plan on using it during the cold months, an appointment with a chimney sweep and inspector is a must. Not only will you prevent soot and smoke from seeping into your home, but you’ll also avoid potential fires and carbon monoxide poisoning.

Finally, don’t forget to review your home insurance policy. You’ll want that information readily accessible and fresh in your mind if you need to make a claim. Contact us today with any questions you may have—we are happy to help!