Posts Tagged ‘homeowners insurance claims’

Protecting your Home from Damage during Extreme Winter Weather Conditions

Wednesday, February 17th, 2010

This winter has thrown much of the country into a deep freeze, complete with heavy snow and ice.  With all of the severe winter weather blanketing much of the country, homes are experiencing considerable damage.

Although we can’t prevent all damage caused by the cold weather, ice and snow, there are things we can do to protect our home, our family and our visitors.

Here are some winter-weather home tips to keep your home safe and keep your homeowners insurance claims to a minimum:

  • Remove snow and ice from your walkway, driveway and sidewalk as soon as possible.
  • Prevent ice dams in your gutters and downspouts by clearing them of leaves and other debris.
  • Keep the interior of your home to at least 65 degrees to prevent the pipes from freezing and bursting.
  • Know where your main water shutoff valve is located in your home, and make sure you have easy access to it in case of a water problem.
  • If you lose the ability to heat your home, keep all faucets at a slow drip to prevent the pipes from freezing.
  • Turn off all outside spigots and remove all outdoor garden hoses.
  • Trim back any dangling tree branches from your home. They can break off and cause damage if they become heavy with snow or ice.
  • Have your fireplace and furnace inspected before the beginning of each winter season to ensure they are working properly. Keep your furnace filters clean as to prevent the furnace from working too hard.
  • Purchase carbon monoxide detectors and place them on every floor of your home.
  • Knock off all dangling icicles from the entrance of your home, as they can cause severe injury if they drop onto someone.
  • Never, ever leave a space heater or kerosene heater unattended.
  • Never, ever use your oven or stovetop to heat your home if you lose power.
  • Make sure all windows and doors are properly caulked and insulated as to save on energy costs.

How to Eliminate Homeowners Insurance Claims during the Winter Months

Friday, January 22nd, 2010

We all want to keep our homeowners insurance premiums to a minimum to save money each month, yet each time we file a claim we run the risk of having our premiums raised. It is therefore a must to do what we can to eliminate filing an insurance claim.

The winter months, in particular, are a time when homeowner’s insurance claims go through the roof across the country. This is due, in part, to the ice and snow that accompanies many winters throughout the country. From ice and water damage to frozen pipes and slip-and-fall accidents, there are many instances in which a winter storm can bring upon an influx of homeowners insurance claims.

There are, however, steps you can take to prevent needless homeowner’s insurance claims during the winter months:

  • Keep your tree limbs cut back; particularly those that hang over your home. Winter storms can bring them down on your house, either because of wind or ice, thereby damaging your home in the process.
  • Keep the interior of your home heated to at least 65 degrees to prevent pipes from freezing. Wrap any exposed pipes with pipe insulation to further protect them from freezing.
  • If you lose power during a winter storm and lose your home’s heat, open all faucets and let the water drip slowly. This will prevent the pipes from freezing.
  • Always make sure your fireplace or wood stove is properly vented and has been serviced by a professional fireplace technician.
  • Never, ever leave space heaters unattended, and always position them far away from any flammable material, such as curtains, rugs or bed linens.
  • Always keep your sidewalk, walkways and driveway free of snow and ice. Check with your city or borough about laws regarding the removal of snow and ice from your property.
  • Make sure your gutters have been thoroughly cleaned before the winter weather begins as to clear them of any leaves and debris that can cause ice dams in the winter.
  • Disconnect the water from all outside spigots before freezing weather begins.