As winter approaches, the chill in the air often brings concerns about keeping homes warm and safe. Taking proactive steps now can save you from stress and costly insurance claims later. Here’s how you can get ahead of the cold season with some practical tips.

Update Smart Thermostat Settings

Modern smart thermostats can adjust automatically to minimize energy waste. Keeping your thermostat set between 68°F and 70°F when you're home helps maintain comfort without overspending on heating.

Seal Gaps Around Windows and Doors

A classic yet effective method, sealing gaps can significantly help in retaining heat and reducing energy bills. Check for drafts and apply caulk or weather-stripping as needed.

Clean Out Gutters

Clearing your gutters of leaves and debris before the snowfall prevents ice dams and water backup, reducing the risk of damage to your home.

Insulate Exposed Pipes

Prevent freezing and bursting by insulating pipes, especially those in basements or along exterior walls. This small step can prevent major water damage during cold snaps.

Boost Indoor Air Quality

Consider using HEPA filters for viruses and particles, or MERV 13+ filters for dust and allergens. These can be placed in HVAC systems or portable units to improve your home's air quality.

Document Your Home Digitally

Create a smartphone video walkthrough of your home and valuables. This documentation will streamline any potential insurance claims, making the process much easier and faster.

Schedule a Heating System Checkup

An annual inspection of your heating system ensures it runs efficiently and reduces the chance of unexpected breakdowns during the peak of winter.

Clear and Check Solar Panels

For those with solar panels, remember to activate the winter mode and clear snow after storms to maintain efficiency throughout the season.

Even implementing a few of these steps can make a significant difference in protecting your home this winter. Stay proactive and remember, it's never too late to start. If you have questions about your homeowner's insurance coverage during winter weather events, reach out to us to review your policy.