WINTER PROOF YOUR HOME
ARE YOU COVERED FOR WINTER??
Could weather can take a toll on your house, so make sure you have the right homeinsurance for the season. Here's how:
Do inventory . Make a list of what you own and the value of the items, serial number, purchase date & receipts, if you have them.
Review your policy. Go over your inventory and current coverage with your agent.
Add sewer back up coverage. This is a crucial precaution for spring melt, but not all home policies include it.
**If you go away, have someone check on your home. You should do this year-round, but particularly in the winter, given the risk of freezing and bursting pipes. For some policies it is a requirement and if you don't do it you could loose your coverage.
WINTER PROOF YOUR HOME
1. Clean leaves and debris out of eavestrophs, window wells, gutters and down spouts to keep water from pooling and freezing.
2. Clear ground clutter such as sticks and lawn ornaments-tripping hazards come snowfall
3. Install screens on exterior vents and pet doors to keep rodents out. Make sure garage doors close completely too
4.Trim shrubs and trees to keep branches from breaking and blowing onto the house.
5. Turn off water taps and bring in hoses(water inside hoses might freeze and expand, causing damage).
6. Ensure stairwell handrails are secure. When it gets slippery you'll want to grip them.
7. Clear the chimney of obstructions, such as birds' nests, and any built-up (and flammable) creosote.
8. Check the roof, for loose or broken shingles or flashing, and patch if necessary.
9.Remove window screens and install storm windows for better insulation.
10. Redo caulking and weather stripping around doors and windows, and fill any remaining gaps with insulation foam, to seal heat in.
11. Check the attic, basement, windows and doors for air leaks. Darkened, dirty spots in insulation, or a candle flame wavering in a draft, may signal a leak.
12. Have your furnace checked by a professional. Change the filter needed(do this every three months, or sooner if the filter looks dirty).
13 Install carbon monoxide detectors. The risk of carbon monoxide poisoning increases when furnaces are in frequent use and leaks more likely.
14. Move flammable materials and electric appliances away from heating devices.
15. Reverse ceiling fans to a clockwise spin to push warm air down from the ceiling, for improved heating efficiency.
16. Change outdoor light bulbs and set automatic light timers for earlier hours of darkness.
17. Test downspouts to ensure proper drainage from the roof.