The Winter Home Maintenance Checklist That Could Help Lower Your Insurance Risk

Cold temperatures, snow and ice in Anderson, Muncie, and Indianapolis, IN can increase the risk of property damage and homeowners insurance claims. At McBee Insurance Agency, we recommend a proactive winter home maintenance routine that can help keep your property in good condition and potentially lower your insurance risk. Here are some tips to help you get your home ready for winter:

Inspect and Clean Gutters

Clogged gutters can lead to ice dams, which may cause water to back up under your roof and into your home. Make sure gutters and downspouts are clear of leaves and debris to allow proper drainage.

Check Your Roof

Look for missing or damaged shingles and repair them promptly. A well-maintained roof can help prevent leaks and water damage during heavy snow or ice storms.

Seal Windows and Doors

Drafty windows and doors not only increase heating costs but can also let in moisture. Use weatherstripping or caulk to seal gaps and keep the cold out.

Service Your Heating System

Have your heating system checked and replace filters before winter to keep it running efficiently.

Keep Pipes From Freezing

Insulate exposed pipes in unheated areas, such as basements, garages and crawl spaces. Consider letting faucets drip during extreme cold to prevent pipes from freezing and bursting.

Trim Trees and Remove Dead Branches

Heavy snow and ice can cause weak branches to break, potentially damaging your home or power lines. Trim trees and remove any dead limbs near your property.

Test Smoke and Carbon Monoxide Detectors

As heating systems and fireplaces are used more often, make sure all detectors are working correctly throughout your home.

Our Team Can Help

At McBee Insurance Agency, we can review your homeowners insurance to see if it fits winter risks in your area. Contact us today to discuss your coverage options and get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.