Homeowner Tips to Reduce Fall & Winter Property Damage

With winter on the way, we’re heading into a busy time of year that includes several major holidays coming back-to-back.

Although it’s called “the most wonderful time of the year,” it can feel like the most stressful time of the year! And the last thing anyone wants to add to their to-do list is worrying about damage to their home and the accompanying insurance costs.

Install a home security system: The rate of burglaries tends to be lower in winter, but break-ins are always a risk. Porch theft is also a very real concern, especially during the holiday season. To help minimize these risks, consider installing a home security system.
Keep drains and gutters clean: Clogged gutters can cause a few issues, but the big one for most homeowners is roof leaks. If your gutters can't drain properly, that excess water can soak through shingles, eventually leaking into your home. This can cause mold to grow, along with damage from the water itself. Melting snow can also fill up your gutters, causing similar issues! A good rule of thumb is, clean your gutters twice a year.
Inspect your roof for damage and leaks: While you're up there cleaning out those gutters, take a few minutes to inspect your roof. Look for obvious holes and damaged (or missing) shingles, but also take some time to really comb over the details. Keep an eye out for cracks and general wear and tear!
Set up home automation features: This can save you money on utilities, sometimes significant amounts! Smart thermostats can save as much as 12% on heating costs!
Fire proof your home: Winter is prime time for house fires, with more deaths occurring December - March than any other time of the year. This is particularly due to the increased use of heaters during the cold months, as well as holiday gatherings. There are several things that can help minimize fire risks in your home

Keep fire extinguishers handy
Test your smoke alarms regularly
Make sure candles are kept away from flammable objects

By following these tips, you're on the right track to have a safe winter for you and your family! Stay warm out there!