Avoid Ice Dams

Ice dams can be dangerous, forming at the lower edge of sloped roofs when heat from the home causes the snow to melt and refreeze. The dams can prevent water from draining off the roof, and therefore water is forced inside the home, which can lead to significant damage.

“Ensure the attic is properly ventilated and nicely insulated to minimize the amount of heat rising through the attic,” says Paul Hurd, assistant vice president, National Property Product at Grange Insurance.

“Homeowners should also seal air leaks in the ceiling so that warm air doesn't leak into the attic. In this case, cooler is better. Doing so will not only prevent ice dams from forming, it will limit cold air drafts and reduce energy bills.”

Prevent bursting pipes

When water freezes in the pipes of a home, potential to burst is extremely high.

Grange Insurance recommends insulating exposed pipes with sleeves, and making sure that cracks and holes are sealed. Allowing water to run through faucets that are connected to pipes in unheated areas can also help prevent pipes from bursting.

But for those who travel to warmer climates during the winter, it may be more beneficial to drain the water lines in the home and easily avoid any catastrophe.

Keep sidewalks and driveways clear of ice and snow

A homeowner can be liable if someone slops and falls on his sidewalks or driveways. Homeowner's policies usually have liability coverage, but it is important to take precautions and make sure that sidewalks and driveways are clear to prevent injury.

“Try to shovel several times, even while it's still storming, so that snow doesn't get a chance to build up and bond to surfaces. Plus, it's much easier to shovel two inches of snow than five. Get down to the pavement beneath so that sunlight can warm it up and prevent ice from forming,” says Hurd. “In addition, use sandbox sand to add traction to slippery surfaces and prevent falls.”

Properly shutdown a vacant home

Those who have vacation homes in tropical climates may leave their winter home behind to catch some rays and avoid the wintry weather. For homeowners who leave for an extended period of time each winter, it is best to prepare the home before vacating.

Having someone, such as a trusted neighbor or relative, check on the home periodically is critical, as it can help account for unforeseen damages, as well as discourage burglars.

Turning off the heat, shutting off the water, cleaning out the gutters and arranging for snow removal services are just some of the ways that homeowners should prepare their homes before departing for an extended period of time.

Inspecting heating systems and alternative heating sources

Homeowners should take the time to inspect chimneys, heating systems or other supplemental heating devices before winter arrives. Fireplaces, small space heaters and wood stoves require proper maintenance to ensure safe operation.

“It is imperative to never leave wood stoves, space heaters or fireplaces unattended to prevent house fires,” said Hurd.

However, should a fire occur, families need to have a plan. Call the fire department immediately and establish a safe meeting place for family members. After all family members are accounted for and safe, homeowners should contact their insurance agent immediately to file a claim.

Consider policy add-ons for further protection against harsh winter weather

The weather can be unpredictable, so homeowners should consider additional policy options to make premiums more affordable. For instance, homeowners should consider add-ons for valuables damaged by water in the event that a sewer, drainage or sump-pump backs up.

Although the coverage is an additional cost up-front, it can provide families with peace of mind when winter storms approach.