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Michigan Insurance Blog

Essential Winter Prep Tips for Your Home

As winter approaches, it’s natural to feel concerned about keeping your home safe and warm. Thankfully, taking a few proactive steps now can prevent stress and costly insurance claims later.

Insulate Exposed Pipes

Preventing frozen pipes is crucial, especially in basements or exterior walls. Use pipe insulation to protect them from freezing and bursting during cold snaps.

Seal Gaps Around Windows and Doors

Sealing gaps is a classic yet effective way to maintain heat and reduce energy bills. Weatherstripping and caulking can go a long way in keeping your house cozy.

Update Smart Thermostat Settings

Modern thermostats adjust automatically to reduce energy waste. Set yours between 68°F and 70°F while at home for optimal comfort and efficiency.

Clear and Check Solar Panels

Ensure your solar panels are in winter mode and regularly cleared of snow post-storm to maintain their efficiency and your home’s energy independence.

Document Your Home Digitally

Using your smartphone to create a video walkthrough of your home and valuables can streamline potential insurance claims, providing peace of mind if issues arise.

Schedule a Heating System Checkup

An annual inspection of your heating system ensures it’s ready for the cold months ahead, helping to avoid unexpected breakdowns during cold snaps.

Clean Out Gutters

Prevent ice dams and water backup by clearing out leaves and debris before the first heavy snow. This helps in safeguarding your roof and home.

Boost Indoor Air Quality

Consider using HEPA or MERV 13+ filters to improve indoor air quality. These can help remove viruses, particles, and allergens, promoting a healthier home environment.

By implementing even a few of these steps, you’ll significantly enhance your home’s protection during winter. Stay proactive, and remember, it’s never too late to get started. For further peace of mind, consider reviewing your homeowners insurance policy, especially to understand your coverage during winter weather events.

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