When it comes to protecting your property against the elements, preparation is key. As temperatures drop, it is important to take precautions against seasonal risks. Even with comprehensive coverage, damage to your home or vehicle can lead to costly insurance claims that raise your overall premiums. The most cost-effective way to combat cold weather damage is to reduce your exposure to risk. Learn how proper maintenance can help you avoid the most common winter insurance claims.
Frozen pipes
As temperatures drop, water may freeze inside the pipes within your home. Not only can frozen pipes prevent water from flowing properly, but they can burst and cause significant damage. When the forecast predicts freezing temperatures, make sure your home is heated to at least 65 degrees and let water drip from your faucets to prevent a potential plumbing disaster. If you plan on being away from your home for an extended period during the winter months, remember to shut off your water and drain your pipes.
Falling trees
The trees on and around your property can become a hazard to you, your home, your car, and others with the onset of winter weather. Snow, wind, or ice can cause a tree that is structurally weak to fall and damage the surrounding area. Falling trees may also come into contact with power lines, which can result in entire neighborhoods losing electricity during the coldest time of the year. Keeping trees trimmed and removing dead branches from your yard can reduce the risk of damage.
House fires
According to the National Fire Protection Association, house fires become more common in the winter months. This is because as temperatures drop and we experience fewer hours of sunlight, more people spend time indoors and increase their use of heat and electricity. At the start of the season, make sure all heating equipment is in working order and have your chimney cleaned and inspected by a qualified professional. Keep flammable materials at least three feet away from all sources of heat including holiday lights and turn off electronics when not in use.
Auto repairs
Winter conditions can take a toll on your vehicle, so it is important to keep up with seasonal car maintenance and stay vigilant while driving. Cold weather impacts your car’s ability to start the engine, so make sure your battery is healthy and not cracked or corroded. It is also important to check that your tires are inflated properly, as low temperatures can cause air pressure in your tires to drop and reduce the traction of your vehicle on icy roads. Additionally, the heater and defroster must be in good working condition for passenger comfort, driver visibility, and pedestrian safety.
Even when you exercise caution and take steps to prepare your property for winter weather, accidents can still happen. An annual review with your South Carolina Federal Insurance Solutions advisor can help you determine if you have enough coverage to protect your home and vehicle in the event of an emergency. Contact us today to review your coverage so you can enjoy the holiday season with peace of mind.
