Not Too Soon to Think About Winter: Prep Your Home & Policy Now

It’s true that when the weather’s still warm and we’re soaking up the last rays of summer, winter is the last thing we want to think about. But as any seasoned homeowner (or insurance agent!) will tell you, prepping early for winter can save you more than just a headache, it can save you money, time, and avoidable claims.

If you're a homeowner, now, yes, right now, is the perfect time to take a few steps to winter-proof your home and your insurance coverage. The temps may still be mild, but a proactive approach can help ensure you're not left out in the cold when the season changes.

1. Winter Weather Claims Happen And They’re Often Preventable

Winter brings a flurry of insurance claims like frozen pipes, roof damage from ice dams, slips and falls on icy driveways, and more. Many of these issues are preventable with some planning and a little elbow grease.

That’s where preparation comes in. Take action now to avoid being part of the annual surge in winter-related claims. If you’ve ever had to deal with a burst pipe or a tree limb crashing onto your roof mid-January, you know it’s not just about the inconvenience, it’s about the cost, the clean-up, and the stress.

2. Your Home Deserves a Seasonal Check-Up

Just like we get our cars serviced before a long road trip, our homes need a seasonal check-up before winter sets in. A few things to tackle:

• Roof inspection: Are there loose shingles? Signs of wear? Now’s the time to patch things up.

• Gutter cleaning: Leaves and debris block drainage, leading to ice dams and leaks.

• Window and door sealing: Drafts can make your heating system work harder and increase your energy bill.

• Insulate pipes: Especially those in unheated areas like the garage, basement, or attic.

• Chimney and fireplace maintenance: If you use them, make sure they’re clean and safe to use.

  
  

Each of these steps isn’t just smart; they may also help you avoid damage that would lead to filing a claim.

3. Your Policy May Need a Winter Tune-Up, Too

While you’re inspecting your home, take a few minutes to review your insurance coverage. Ask yourself:

• Do I have enough coverage for the current value of my home and belongings? Home values and replacement costs have gone up so make sure your policy reflects that.

• Do I have coverage for things like sump pump failure, sewer backup, or roof collapse due to snow? These are often not covered in a standard policy and may require an endorsement.

• Have I added any new equipment, like a generator, or made any upgrades? Your insurance agent should know so they can help you protect those investments.

• Am I covered for liability if someone slips on my icy walkway? A little extra liability coverage could go a long way toward protecting your finances if someone is injured on your property.

4. Getting Ahead = Peace of Mind

There’s something empowering about preparing early. Instead of reacting to problems when they happen, you’re staying ahead of the curve. And when the first snowflakes fall, you’ll feel confident that your home is protected, and your policy is up to date.

It’s also worth noting that once the first winter storm hits, service providers (roofers, plumbers, even your insurance agent) can get swamped. Getting in now means you beat the rush and can make upgrades or changes on your timeline.

5. Partner With Your Agent, That’s What We’re Here For

Your insurance agent isn’t just here when you need to file a claim. We’re also your partner in prevention. We can help you:

• Review your policy and fill any gaps in coverage

• Suggest endorsements that fit your specific home and lifestyle

• Provide advice on common claims we see each winter and how to prevent them

• Offer tools and checklists to guide your seasonal home prep

  
  

If it’s been a while since we’ve reviewed your policy together, let’s schedule a time to chat. A quick conversation now could help prevent a major winter headache later. Don’t wait until it’s too late.

Reach out with your questions or to schedule a policy review. I’m here to help you stay warm, safe, and stress-free this winter.