Home insurance companies experience a surprisingly high number of claims requests each winter that are usually related to storm damage or the impact of frigid temperatures on their residence. However, you can avoid becoming a statistic by preparing your property to take on the elements—aka winterizing your home. Below are some of the most effective suggestions to help you avoid future home maintenance complications.
4 Tips to Help Winterize Your Home
1. Trim Overhanging Branches
High winds can cause overhanging branches to rub against your roof and siding. In particularly violent storms, branches can peel off shingles or siding panels, leaving your home vulnerable to water damage. To prevent this from happening, trim back all overhanging branches from nearby trees.
2. Remove Dead or Dying Trees
Similar to overhanging branches, wind, the weight of ice and snow, or a combination of these factors can cause dead or dying trees to topple through the roof of the main house, into your garage or shed, or even into your car. This results in a costly home insurance hassle. For safety's sake, have any risky trees removed before winter arrives.
3. Clean the Gutters
Clogged gutters are ineffective at draining half-melted snow slush, causing moisture to back up under your shingles. When temperatures drop again, the water freezes and expands, loosening or damaging the shingles. Ultimately, this causes your home to become more susceptible to water infiltration, property damage, and mold growth.
4. Insulate the Pipes
Pipes that run along exterior walls or through unheated areas of your home need insulation to prevent them from freezing. You can find pipe insulators, which look like swimming pool noodles, at any home improvement store. While you’re there, pick up some exterior faucet covers to protect plumbing attached to outside water faucets, as well.
If the worst happens despite your best efforts and you must file a home insurance claim, State Farm will have your back. To get them on your team, contact Zach Plackemeier - State Farm Insurance Agent in Florissant, MO. Zach and his team have been serving clients in and around St. Louis County since 2016, specializing in home, life, business, liability, and auto insurance. Visit their website to submit a contact request, or call (314) 921-7900 to request a home insurance quote.