As winter sets in across the Midwest, homeowners face a unique set of challenges. From heavy snow and freezing rain to strong winds and plunging temperatures, the risks to your property multiply. At Chastain Otis, we want to make sure you’re ready—not just with salt for your driveway, but with the right insurance coverage and preventive maintenance to protect your home this season.
1. Inspect and Insulate Before the Freeze
One of the biggest winter threats to any home is frozen pipes. When water freezes and expands, pipes can burst, leading to extensive water damage. Insulate exposed plumbing, especially in basements, attics, and crawl spaces. It’s also smart to know whether your home insurance policy covers burst pipes or water leaks from freezing. Reviewing your coverage now ensures you’re not left with unexpected repair costs later.
2. Guard Against Ice Dams and Roof Damage
Ice dams occur when melting snow refreezes at your roof’s edge, preventing proper drainage. This can lead to leaks, structural damage, and even mold growth. Keep your gutters clear, ensure proper attic ventilation, and check your homeowner’s policy to confirm that roof and water damage from ice dams are included. Chastain Otis agents can help you review and update your coverage if needed.
3. Prevent Slips, Falls, and Liability Claims
Snowy walkways and icy driveways are common culprits for injuries in winter. As a homeowner, you may be legally responsible if someone slips and gets hurt on your property. Make it a routine to shovel promptly, apply ice melt, and consider additional liability coverage or umbrella insurance for extra protection.
4. Maintain Heating Systems and Fire Safety
Cold weather puts added strain on your furnace, fireplace, and other heating systems. Schedule professional maintenance early in the season, and keep flammable materials clear of heat sources. Winter also sees an increase in home fires due to space heaters and electrical overloads. Verify that your home insurance policy offers full protection for fire-related incidents.
5. Review Your Policy with an Expert
Winter is the perfect time to review your coverage and ensure it reflects your home’s true value and current risks. At Chastain Otis, our experienced agents can assess your policy, identify any gaps, and suggest tailored options for comprehensive protection through the cold months ahead.
A few proactive steps can save you thousands of dollars and countless headaches when winter hits hard. By combining smart home maintenance with the right winter home insurance, you’ll keep your property safe and your peace of mind intact all season long.