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    How to Protect Your Home from Costly Winter Weather Damage

    Petra Richli | iStock | Getty Images

    It’s a good time to make sure your home is ready for the winter of the old man.

    Winter weather, such as snow, ice, freezes and floods, can cause many headaches for homeowners. And if you’re in a new home that you still know, it’s especially worth taking steps to make sure you’re ready.

    Steve Wilson, Senior Underwriting Manager, said: Insurance company hippo.. “They may not have been thinking about how to protect this big investment.”

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    In some cases, you can prevent problems that occur. And while homeowners insurance generally covers weather-related damage, you’re still responsible for paying your deductions — it could be somewhere between $ 500 and $ thousands or more. ..

    In the first few months of 2021, due to winter weather Record-high $ 15.1 billion in insurance losses, According to the Insurance Information Association. Most of the complaints arose from the February storm that affected large parts of the United States, especially Texas. Overall in 2020, winter weather claims were $ 1.1 billion.

    Here are some tips to avoid costly damage in the future.

    Prevention of frozen pipes

    When water freezes, it expands and can put a lot of pressure on the pipes. Sometimes it leads to a rupture of the pipe.

    According to the home management website, repairing a ruptured water pipe can cost $ 400 to $ 1,500 or more, depending on the extent of the damage caused and the repairs required.

    You may be familiar with the recommendations for dripping faucets in sub-zero weather. Even if you do this, according to the hippo, make sure you know where the stop valve is, just in case you need it.

    In addition, if the water pipe is not yet packaged, it is worth insulating. Be sure to also disconnect outdoor hoses or sprinkler systems and blow off those pipes, according to Wilson.

    Also, even if you leave your house for a long time, set it to about 65 degrees Fahrenheit and keep it on.

    Protect the roof

    Below freezing, as snow and ice melt and refreeze on the roof, ice dams can form, effectively blocking drainage channels and weakening the roof, according to the hippo. Snow and hail can cause moisture behind the shingles and cause water leaks.

    There are several ways to prevent this. If you can get rid of the snow from the roof, it’s worth it. According to Wilson, you can buy roof rakes at hardware stores for this purpose.

    In winter, the danger is ice, as trees and branches become very heavy and are more likely to fall, especially if they are dead.

    Steve Wilson

    Hippo Senior Underwriting Manager

    Also, make sure that the attic is not only insulated, but also ventilated. This will prevent the roof from getting warm enough to melt the snow when the temperature is much colder.

    Also, make sure there are no debris in the gutters. Also, if there are trees with dead limbs that can land on the roof, remove them before the snow or ice weather strikes.

    “In winter, the danger is ice, as trees and branches become very heavy and are likely to fall, especially if they are dead,” Wilson said.

    Your fireplace

    Wood-burning stoves add warmth and coziness to the house, but they should also be well maintained to avoid chimney fire.

    Make sure the flue is not clogged and remove soot and debris. Recommended by Hippo. Also, have an expert inspect the chimney for cracks, loose bricks, and missing mortar joints. If you find a problem, have it repaired immediately.

    Your heating system

    Winter weather does not directly damage the furnace, but it can be intolerable if it fails during severe cold or heavy storms.

    “Someone may inspect you for $ 50 or $ 100 [heating] “Compare that if the furnace runs out in the middle of winter, it can cost 10 times more to repair it,” Wilson said.

    Ultimately, Wilson says that proactively preparing for extreme weather can save you money in the long run.

    How to Protect Your Home from Costly Winter Weather Damage

    Source link How to Protect Your Home from Costly Winter Weather Damage

    The post How to Protect Your Home from Costly Winter Weather Damage appeared first on Eminetra.

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