Your home is likely one of the most important assets you own. Winter weather such as ice, wind and snow can wreak havoc and cause unwelcome damage to your significant investment. As a homeowner, you can reduce your winter woes by having suitable home insurance coverage and performing winter home maintenance to reduce the chance of weather-related damage.
Reduce Weather-Related Damage
These winter upkeep tasks can get you prepared for the season:
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Look for leaks. Check your attic and crawlspace for water, animals or other items that don’t belong. 
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Clean heating vents. Clean dust and debris from vents. Be sure PVC vent pipes are clear of obstructions.
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Keep your entryways clean. Use mats and boot trays to prevent slippery surfaces, and hang wet clothing away from traveled areas.
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Stop ice dams from forming. Clear your roof and gutters after a heavy snowfall to prevent ice damming.
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Shut off outside water. Turn off the water supply to your outside faucets to prevent broken pipes.
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Stop slippery surfaces. Purchase salt, ice melt or sand. These provide extra traction for slick sidewalks, steps and driveways. Use pet-safe materials if you have pets.
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Stop draftiness. Repair any damaged caulking around doors and windows, along with any weather stripping.
Add Homeowners Insurance for Extra Assurance
Winter weather can cause extreme damage and cost homeowners thousands of dollars in repairs. As a homeowner, you need to make any necessary repairs without a substantial financial strain. Homeowners insurance can help you pay for covered damages that may occur.
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Dwelling coverage—Covers repairing or rebuilding damage to the structure of your home.
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Other structures coverage—Covers other buildings on the property such as a garage or gazebo.
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Personal liability—Covers injury or damage to others and their property if you are held responsible.
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Contents or personal property coverage—Covers clothes, furniture, electronics and other items in your home that are damaged or lost due to a covered cause.
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Loss of use coverage—Covers living expenses in the event of a covered loss in case you need temporary housing after a disaster.
We Can Help
Numerous factors can influence the cost of a home insurance policy, including house value, location, credit score, and policy and coverage limits. At Augustine Insurance & Financial Services Inc., we can help you determine what home insurance coverage best meets your needs. This winter, be sure your home is ready by performing your upkeep and ensuring your insurance provides the security you need.