In this 2 part blog series we complied the best 16 home winterizing tips to keep your home comfortable and accident free before the bitter sting of winter comes. Some of these you may have heard of but were unaware of the insurance ramifications. Not everything is covered on an insurance policy, especially on items that need regular maintenance.
Your homeowners insurance policy is issued with certain understandings. For example; MacGyvering 15 plugs into a 2-socket receptacle causing a house fire is usally not an acceptable claim. Yes it was was an “accident” but it could have been avoided if caution was taken. Now while you certainly didn’t mean to burn your cape cod to the ground there was a lack of precaution taken.
With a mixture of easy tips and preventative maintenance, these 8 home winterizing tips will keep you happy and safety throughout the winter.
Reverse your ceiling fans
In the winter your fan needs to be spinning clockwise to create a warming updraft and help circulate the heat to prevent cold spots.
Tune up your heating system – Don’t wait until the big freeze to get your heating systems up and running. You can usually get a “check up” from one of your local heating and A/C guys for under $100.00.
Prevent ice cycles
Yes they are pretty and awe inspiring but they can also injure a person and pose a liability to the homeowner. knock them down or find out where the back up of water is and clear it away.
Inspect your roof for missing or damaged shingles
Water damage to your roof caused by a ripped or torn shingle that should have been rapaired is not covered. That should have been fixed to prevent damage.
Seal windows and doors
You can either re-caulk the inside and outside of your windows (if they need it) or use a window insulator kit. This will greatly reduce the amount of heating needed and keep your system from overworking.
Clean the gutters
If gutters are full of debris and the water cannot flow properly causing a backup and creating water damage, this is not covered under most policies because is preventable maintenance
Divert water 3-4 feet away from foundation because if there is water damage this may not be a covered loss
Turn off outside faucet
Disconnect the hose from the hose bib – if the hose bib (faucet) bursts this may damage the foundation or if it backs up in the house could be a disastrous claim.
Subscribe to our blog or check back here next week as we unveil our last 8 tips to help you keep your home accident free. Questions about your policy? Give us a call and we will review your current policy for free to assess any gaps in coverage.