Loss Prevention

Claim Prevention & Helpful Hints

Protecting your home during the winter months:

  • Remove any dead tree branches from trees on your property.  Ice, snow and wind can cause tree limbs to break and cause damage to your home, parked automobile and pedestrians.
  • Keep sidewalks and steps clear of ice. Someone falling on your property could lead to injury and a possible lawsuit.
  • Clean gutters before the snow & cold weather arrives. Remove any leaves or debris to ensure that gutters are working properly. Ice and snow can build up in gutters that are clogged with debris.
  • Make sure fireplaces and wood-burning stoves are properly cleaned and maintained annually.
  • Before installing a wood-burning stove, check with local officials for the proper installation codes and techniques.  Also contact your agent regarding new installation.
  • Keep anything that can burn at least three feet away from heating sources (furnace, fireplace, wood stove, or portable space heater).
  • Make sure buildings are properly heated at all times.
  • Drain plumbing lines and turn water off to vacant or unused buildings.
  • Check around the home for areas where water supply lines are located in unheated areas such as basements, crawl spaces & attics, as these could be susceptible to freezing.  Both hot and cold water pipes in these areas should be insulated.