Winter can be tough on your home. Snow, ice, wind, and freezing temps leave behind wear and tear that, if ignored, can lead to expensive springtime insurance claims. Fortunately, a little post-winter maintenance can go a long way in keeping your property safe—and your premiums low.
Here are six key spring maintenance tips to help prevent common home insurance claims:
1. Inspect the Roof and Gutters
Heavy snow and ice can damage shingles and clog gutters. Look for missing or cracked shingles, loose flashing, and signs of leaks in the attic. Clean out gutters to ensure proper drainage—overflow can lead to water damage and foundation issues.
2. Check for Water Damage
Melting snow and spring rains can reveal water damage you didn’t know you had. Inspect ceilings, walls, and the basement for stains, mold, or musty smells. Don’t forget to check around windows and doors for leaks.
3. Test the Sump Pump
If your home has a sump pump, test it before spring rains arrive. A failed pump during a storm can quickly lead to flooding—something most homeowners policies don’t cover unless you have a specific endorsement.
4. Examine Walkways and Driveways
Freezing and thawing cycles can crack concrete, creating tripping hazards. Repair cracks to avoid liability claims from guests or delivery drivers who might get hurt on your property.
5. Service Your HVAC System
Your heating system has been working hard all winter—now’s the time to give it some attention. Change filters, check for leaks, and consider a full system tune-up before you switch to air conditioning.
6. Trim Trees and Inspect the Yard
Winter winds can weaken branches or cause hidden damage. Trim any limbs that hang over your roof, driveway, or power lines to prevent future storm claims or fire hazards.
Why It Matters
Many spring home insurance claims—from water damage to liability accidents—are preventable with a little proactive maintenance. Taking the time now to inspect and repair can save you time, money, and stress later.
Need help reviewing your coverage? We’ll make sure your homeowners policy is up to date and that you’re protected from seasonal risks.
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