As the chill of winter approaches, many homeowners find themselves worrying about keeping their homes safe and warm. But with a few proactive steps, you can alleviate some of this seasonal stress and potentially avoid costly insurance claims.

Seal Gaps Around Windows and Doors

One of the classic but most effective methods to retain heat and reduce energy bills is by sealing gaps around windows and doors. By using draft stoppers and weather stripping, you can ensure that the warm air stays inside.

Clear and Check Solar Panels

For those with solar panels, don't forget to activate their winter modes. Regularly clearing snow from panels post-storm helps maintain their efficiency and reduces energy waste.

Document Your Home Digitally

Creating a video walkthrough of your home and valuables with your smartphone can streamline potential insurance claims. This simple step can serve as an accurate record of your possessions.

Schedule a Heating System Checkup

Before winter fully sets in, schedule an annual inspection of your heating system. This can help you avoid surprise breakdowns during the coldest months and ensure efficient operation.

Clean Out Gutters

Prevent ice dams and water backup by clearing out leaves and debris from gutters. This simple task can save significant trouble when heavy snow starts to fall.

Boost Indoor Air Quality

Improve your indoor air by using HEPA filters for viruses and particles, or MERV 13+ filters if dust and allergens are a concern. These can be used either in HVAC systems or portable units.

Insulate Exposed Pipes

Prevent freezing and bursting by insulating any exposed pipes, especially those in basements or along exterior walls. Proper insulation ensures that water can flow freely even during the coldest days.

Update Smart Thermostat Settings

Modern smart thermostats adjust automatically to reduce energy waste. Set your thermostat between 68°F and 70°F while home for optimal comfort and efficiency.

Just implementing a few of these steps can make a significant difference in protecting your home during the winter months. It's never too late to get started, and staying proactive can provide peace of mind. If you're uncertain about your homeowners insurance coverage for winter weather events, consider reaching out to review your policy with us.