Protect Your Home During Severe Weather
Energy costs, burst pipes, ice dams, chimney fires, and power outages are all potential hazards during the winter months as a result of severe weather. It is important to minimize the inconvenience and damage that ensues.


A few precautions can help protect you from serious losses and disruptions this season. Protecting your home is vital to keeping your family safe and comfortable in the winter months.


Indoor Floods
While home fires make headlines, water damage is more common and often just as severe. The most frequent cause is faulty or broken pipes. In fact, Fireman’s Fund Personal Risk Consultants see a surge in water damage during the first three months of the year, when pipes are most likely to freeze and burst. Be sure to insulate exposed pipes.


If you leave your home to spend time in warmer climates or even just a weekend on the ski slopes, always leave the heat on in your home and set the thermostat to at least 55 degrees. Don’t let high fuel prices tempt you into going lower. The pipes that come in through your foundation or run through external walls can reach temperatures much lower than the setting on your thermostat. Have someone check on your home while you are away.


A foolproof way to protect your home from broken or leaking pipes at any time of year is to install an automatic water shutoff system. Attached to your home’s main incoming water line, the device senses increased water flow caused by a burst pipe and automatically shuts the system off. Fireman’s Fund recommends the Leak Defense System from Sentinel Hydrosolutions, LLC and the FloLogic® System. A premium discount is available to policyholders who use this system, so let your insurance agent know if you install one.


Back Up Generators
Power outages can cause many problems from food spoilage to basement flooding. Install back-up generators to power all of your home’s critical systems including sump pumps, security and fire alarm systems, and heating systems.


Chimney and Furnace Fires
While fire presents a year-round risk, certain causes of fire occur more frequently during the winter. Chimneys, boilers and furnaces are particular risks. Approximately 25,000 residential fires begin in a fireplace or chimney every year, according to the Consumer

Product Safety Commission.


Why so many? Over time, a layer of unburned carbon-based residues (sometimes referred to as fireplace creosote) builds up along the inside walls of your chimney and can eventually catch fire. The solution is to have a trusted, professional chimney sweep clean and inspect your chimney annually.


An annual inspection is just as important for those with furnaces and boilers. And remember; never use your furnace room for general storage. Wood scraps, old books, paint, solvents and other flammable liquids are significant fire hazards and should be removed and stored elsewhere.


Ice Dams and Old Trees
Snow and ice storms can create a number of potential threats to your home. One of these is ice damming, which occurs in the days after a snowstorm.


Icicles hanging from your eaves, while they may be beautiful, usually indicate that a dangerous ice dam has formed. An ice dam is a build-up of ice that can form at the edge of your roof when snow melts but is blocked from draining. When more snow melts and is trapped behind this ice, the resulting water backup can soak through your roof and cause damage to ceilings, walls and more. The most common causes of ice dams are clogged gutters and insufficient insulation, both of which are easy to remedy.


Mature trees on your property represent another potential hazard during storms. Strong winds or frozen water that covers old branches with a heavy coat of ice can lead to failure and collapse, a clear threat to your home or other nearby structures. Have a trusted horticultural expert take a look at your property’s mature trees and prune or cut down unstable specimens. 

Winterization Checklist

    1. Consider installing an automatic water shutoff device.
    2. Prevent frozen pipe bursts by insulating exposed pipes.
    3. Have your furnaces and chimneys cleaned and inspected.
    4. Install backup generators for critical systems in the home.
    5. Inventory your personal contents.
    6. Remove stored items and clutter from your furnace room.
    7. Set your thermostat to no lower than 55 degrees when you leave your house.
    8. Have your roof gutters cleaned and inspected.
    9. Replace insulation if necessary.
    10. Keep art and collectables a safe distance from heat sources (fireplace, heat vents, etc.).
    11. Have mature trees inspected and maintained.
    12. Have salt/sand on hand for icy sidewalks and driveways.

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This publication provides general information and/or recommendations that may apply to many different situations or operations. Any recommendations described in this publication are not intended to be specific to your unique situation or operation and are not intended to address all possible hazardous conditions or unsafe acts that may exist. Consult with your staff and specialists to determine how and whether the information in this publication might guide you in specific plans for your situation or operations. Additionally, this article does not substitute for legal advice, which should come from your own counsel.