Autumn in the Northeast is breathtaking, but it also means winter can't be far behind. When the temperature drops, winter storms occur that cause serious damage to your home. Fortunately, a little early preparation can reduce risks, so it pays to get ready well in advance.

K.L. Smith Agency, a Willimantic, CT, insurance agency with decades of experience, offers a few tips for getting through the season safely:

• Check Your Homeowner's Insurance: Your homeowner's insurance policy is your last line of defense against the winter storms. However, you should check that you have sufficient coverage to cover your losses, and that you have additional protection against water damage. According to the Insurance Information Institute, winter storms caused approximately $3.5 billion of damage in 2015, much of which resulted from water.
• Clear Your Gutters: Removing the leaves and debris from your roof gutters will prevent ice dams from forming on your roof, allowing the snow to thaw. Standing water on your roof should always be avoided, especially when freezing temperatures have the power to force water underneath your roof shingles.
• Cut Back Dead Branches: If dead or weak tree branches hang over your house, have them professionally removed before the wind forces them down onto your roof. You may also want to consider trimming back live trees or removing weak and frail plants altogether. Even a relatively small tree branch that falls on your home can be devastating and cause tens of thousands of dollars in damage

Since 1953, homeowners throughout Connecticut have relied on the K.L. Smith Agency for hep with personalized auto and homeowner's insurance policies. Visit their website to learn more about their services, or call (860) 423-9294 to make an appointment with a member of their team today.