As winter approaches, the chill in the air is already a reminder that it's time to prepare our homes for the cold season. We understand the concern that comes with wanting to keep your home safe and warm. Fortunately, a few proactive steps now can save you stress and costly insurance claims later.

Seal Gaps Around Windows and Doors

Ensuring your home's envelope is well-sealed is a classic yet effective way to keep the cold air out and the warm air in. Check for cracks or gaps around your windows and doors and use caulk or weatherstripping to seal them. Doing this not only keeps you cozy but also lowers your energy bills.

Boost Indoor Air Quality

With everyone spending more time indoors, maintaining good air quality is essential. Use HEPA filters to trap viruses and fine particles, or consider MERV 13+ filters to deal with dust and allergens. These can be integrated into your HVAC system or used in portable air purifiers.

Insulate Exposed Pipes

Preventing your pipes from freezing and bursting is crucial, especially in basements or areas close to exterior walls. Insulate exposed pipes with foam sleeves or insulating tape to avoid the hassle and expense of dealing with water damage.

Update Smart Thermostat Settings

Modern smart thermostats offer energy-efficient solutions by adjusting settings automatically. Make sure it is set between 68°F and 70°F while at home to reduce energy waste without sacrificing comfort.

Schedule a Heating System Checkup

An unexpected heating system breakdown during winter can be quite the headache. Schedule an annual checkup with a professional to ensure everything is running smoothly and efficiently.

Clean Out Gutters

Don't forget to clean your gutters! Clearing out leaves and debris prevents ice dams and water backup, which can cause damage when the snow starts to melt.

Clear and Check Solar Panels

If you have solar panels, make sure to activate winter modes and clear snow after storms to maintain efficiency. A little maintenance goes a long way in keeping your energy source reliable.

Document Your Home Digitally

Take a few moments to walk through your home with your smartphone and document your valuables. This can streamline potential insurance claims and ensure that nothing is overlooked.

Even incorporating just a few of these steps can make a significant difference in protecting your home this winter. Stay proactive, and remember, it’s never too late to start. Don’t hesitate to review your homeowners insurance policy with us, especially if you’re unsure about what's covered during winter weather events.