Local meteorologists are forecasting an artic chill that will affect NY homeowners and the Capital Region over the next few days. This is a daunting reminder that winter is coming, and The Murray Group wants to provide our partners with some reminders about winter preparation.
The Insurance Information Institute has provided the following comprehensive list of tips for NY homeowners who want to prepare their home for the winter:
- Outside Your Home
- Clean out gutters. Remove leaves, sticks and other debris from gutters, so melting snow and ice can flow freely. This can prevent ice damming, a condition where water is unable to drain through the gutters and instead seeps into the house causing water to drip from the ceiling and walls.
- Install gutter guards. Gutter guards prevent debris from entering the gutter and interfering with the flow of water away from the house and into the ground.
- Trim trees and remove dead branches. Ice, snow and wind could cause weak trees or branches to break and damage your home or car, or injure someone walking by your property.
- Repair steps and handrails. Broken stairs and banisters can become lethal when covered with snow and ice.
- Seal cracks and holes in outside walls and foundations. Use caulking to seal around any wall openings to prevent cold air and moisture from entering your home. Calk and install weather stripping around windows and doors to prevent warm air from leaking out and cold air from blowing in.
Inside Your Home
- Keep the house warm. Set the thermostat for at least 65 degrees—since the temperature inside the walls, where the pipes are located, is substantially colder a lower temperature will not keep the pipes from freezing.
- Add extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic, it can cause snow or ice to melt on the roof. Water can then re-freeze, causing more snow and ice to build up. This can result in an ice dam that causes significant roof damage. Well-insulated basements and crawl spaces will also help protect pipes from freezing. You may also consider insulating unfinished rooms such as garages to keep pipes from freezing.
- Provide a reliable back-up power source. In the event of a power outage, continuous power will keep your home warm and help prevent frozen pipes as well as help if you have a battery operated sump-pump. Consider purchasing a portable generator and follow installation and maintenance steps to ensure safety.
- Have the heating system serviced. Furnaces, boilers and chimneys should be serviced at least once a year to prevent fire and smoke damage.
- Check pipes. Look closely for cracks and leaks and have the pipes repaired immediately. Pipes in attics and crawl spaces should be protected with insulation or heat. Pipe insulation is available in fiberglass or foam sleeves. Heating cables and tapes also are effective in preventing pipes from freezing. Select a heating cable with the UL label and a built-in thermostat that turns the heat on when needed (without a thermostat, the cable has to be plugged in each time and might be forgotten). Follow the manufacturer’s instructions closely.
- Install an emergency pressure release valve in your plumbing system. This will protect the system against increased pressure caused by freezing pipes and can help prevent your pipes from bursting.
- Remove combustible items placed near any heart sources. This includes wood stoves and space heaters.
- Install smoke and carbon monoxide detectors and make sure they are working properly. Not only do residential fires increase in the winter, but so does carbon monoxide poisoning
- Learn how to shut the water off and know where your pipes are located. If your pipes freeze, time is of the essence. The quicker you can shut off the water or direct your plumber to the problem, the better chance you have to prevent pipes from bursting.
- Hire a licensed contractor to look for structural damage. If damage is discovered, have it repaired now. Also, ask about ways to prevent water damage due to snow-related flooding. Plastic coatings for internal basement walls, sump pumps and other methods can prevent flood damage to your home and belongings.
Winter may seem like it’s far away, but it officially starts on December 21st. Take free time now to prepare your home and prevent losses that may otherwise happen. Your insurance policy may cover winter-related losses, but you do not want to use your homeowners policy to pay for a claim unless you have to.
At The Murray Group, we provide our partners with recommendations as part of a total asset management program called LiveSECURE 365™. We don’t just sell insurance policies. We offer personal solutions that educate and inform our partners on how their decisions, or lack of decisions, regarding risk can affect their lives.
If you have any questions about winter preparation or if you would like to speak with a personal risk advisor, please do not hesitate to contact us at (518) 456-6688.
Live Secure 365,
VP, Risk Consultant
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