Harsh winter weather can create a variety of challenges for homeowners. According to the Insurance Information Institute, damages caused by wind, hail, water, and freezing account for the largest percentage of homeowners insurance claims filed each year. As such, it’s important to make sure your property is prepared to withstand whatever Mother Nature may bring. Here are a few steps you should take before the cold season arrives in full force.

How to Prepare Your Home for Winter

1. Trim Tree Branches

Falling tree branches can result in serious injuries and significant property damage. Reduce your chances of a homeowners insurance claim by removing dead limbs and branches that are hanging over your roof or walkways. It’s best to keep trees trimmed back at least three feet from the house to ensure you're as protected as possible.

2. Schedule a Roof Inspection

The last thing you want is to discover a leaky roof once winter storms have begun. Schedule an inspection now to look for current leaks and have them repaired before moisture, ice, and winds cause further damage. Your contractor should also check to make sure your roof is sturdy enough to support heavy snowfall.

3. Prevent Frozen Pipes

When the temperature drops, pipes that are exposed to cold air become vulnerable to freezing and bursting. To keep this from happening, use heat tape or specialized pipe sleeves to insulate those in unheated areas, such as the basement, crawl space, and attic. During a cold snap, also open your kitchen and bathroom cabinets so warm air can reach the pipes, and leave faucets on a slow trickle overnight to keep the water from freezing.

4. Update the Heating System

Since your heating system will be working hard to keep your home warm and comfortable all winter, you should have it professionally serviced before it’s in constant use. An HVAC technician will clean and examine all its components to ensure it runs safely and efficiently. This will help save money on your utility bills and minimize the risk of a homeowners insurance claim due to fire damage.

To ensure you’re adequately protected from weather-related events, review your homeowners insurance policy with the professionals at Chanler Agency, Inc. Insurance. With offices in Geneseo and Livonia, NY, they’ve been providing residents throughout the Finger Lake region with high-quality products and competitive rates for more than 45 years. They can assess your situation and find the right coverage for your individual needs. Call (585) 243-5520 to set up an appointment, or visit them online to learn more about their services.