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The Murphy Insurance Blog


News, updates and useful tips about insurance products and the insurance industry. We also provide insights on community events, local news and information that affect your everyday life. Enjoy!

home winter prepBefore the snow falls, now is the time to take care of maintenance that will properly safeguard your home from the harsh elements of winter months. Taking these steps can lessen your chances of a loss to your home due to inclement weather.

Contact a chimney sweep to have flues cleaned and inspected before winter. Burning wood releases volatile gases, which condense and cool on the inside of the chimney, forming smelly and flammable materials. Cleaning up this buildup annually decreases the likelihood of a chimney fire. Furnace flues should be cleaned, too.

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.

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. You should 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.

Replace any cracked or missing roof shingles and verify that flashing around the vent pipes or chimney is watertight. For those persons with steep roofs or physical limitations, a reputable roofing contractor should be contacted. The cost of these repairs would certainly be less than the deductible under your homeowners policy should a loss occur.

Source: International Risk Management Institute, Inc.

Showing 1 Comment

Smith miller 7 months ago

Winter means expect the unexpected, so prepared for the worst condition. Sometimes fails and result in an insurance claim, it's better to know what is covered and what's not before buying home insurance, you maybe helpfull if you go through our <a href="https://alchemyinsurance.com/homeowners-insurance-guide/">homeowners insurance guide</a>

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