Avoid weather claims with a few good tips

With winter fast approaching, now is the time to properly safeguard your home. These steps can lessen your chances of a loss to your home due to inclement weather.

  1. Verify that your furnace is in proper working order by contacting a heating specialist for an inspection. Heating device malfunctions, including supplemental heating devices such as space heaters, are the second leading cause of fire deaths in this country. The heating ducts may also need to be cleaned. Most experts recommend vacuuming these ducts every 5 years. In addition, oil furnaces should be periodically inspected since poorly-maintained ones can cause severe smoke damage.
  2. Check your plumbing system closely since burst water pipes can spew hundreds of gallons of water into your home. Heat tape should be used on any pipes that are exposed to extremely cold weather. By all means, learn how to shut your water off and know where your pipes are located. The quicker you can turn off the water supply, the more likely you can minimize damage from burst pipes. If you have a summer home exposed to cold weather in your absence, be sure to have the water system properly drained to keep pipes from freezing or bursting.
  3. Replace any cracked or missing roof shingles and verify that flashing around the vent pipes or chimney is watertight. If you have a steep roof or any physical limitations that would make it dangerous to do the repair yourself, a reputable roofing contractor should be used to avoid the risk of injury. The cost of these repairs would certainly be less than the deductible under your homeowners policy should a loss occur.

Purves Insurance is located in Davis, CA, and we love to see our customers warm, cozy and dry in the winter. 
Copyright 2009
International Risk Management Institute, Inc.