Helpful Tips for Winterizing Your Home

Fall is a good time of year to start thinking about preparing your home for winter, because as temperatures begin to dip, your home will require maintenance to keep it in tip-top shape throughout the winter months.

Here are some tips to help you prepare your home for winter:

· Make sure your furnace is in good working order. Check that the furnace filter is clean and replace it if it’s not. Make sure that the thermostat and pilot light are working properly and that the pipe brining fuel to your furnace isn’t leaking or lose.
· Have your heating ducts cleaned. The ducts should be vacuumed every five years.
· Trim trees and remove dead branches. Ice, snow and wind could cause weak tree trunks or branches to break, damaging your home or car, or injuring someone walking on your property.
· Remember all of the leaves falling off your trees this autumn? Well, a lot of them will remain in your gutters. Cleaning them out will help prevent water from building up and freezing in the gutters.
· As long as you’re cleaning out leaves, make sure none are clogging your chimney. Install a screen over the chimney top after cleaning.
· Check the caulking around doors and windows to make sure there’s no cracking or peeling. Re-caulking, if needed, prevents cold air from entering your home. Why pay a higher heating bill if you don’t have to?
· Keep snow and ice from building up around the bottom of the garage door so that it closes completely and doesn’t warp.
· Frozen water pipes can crack and spew gallons of water all over your home. You can prevent this by draining your outdoor hose bibs and by keeping your heat on even when you are away from home.
· Keep the house warm. The temperature in the home should be at least 65 degrees. The temperature inside the walls, where the pipes are located, is substantially colder than the walls themselves. A temperature lower than 65 will not keep the pipes from freezing.
· Make sure steps and handrails are in good shape. Broken stairs and banisters can become even more dangerous when covered with snow and ice. Make repairs now to prevent someone from falling and being seriously injured.
· Get to know your plumbing. Learn how to shut off the water, and know where your pipes are located. If your pipes do freeze, time is of the essence. The more quickly you can shut off the water, or direct your plumber to the problem, the better chance you have of preventing the pipes from bursting.
· Take special care if you plan to be away from home. If you are not going to be in your home this winter for an extended period of time, have the water system drained by a professional to keep pipes from freezing or bursting. Also, hire someone to check on your home on a regular basis. That way, a problem can be fixed quickly, lessening any damage. Activity at your home also reduces the likelihood that it will be burglarized.

Source: Insurance Information Institute

Look to Mars Insurance for more helpful tips on claim prevention. Ask Mars Insurance to review your policies to make sure you have the coverage you need in the event of a major loss.