Preparing the inside of your home for the impending cold weather is an important annual task in the northeast. An often overlooked chore, however, is ensuring that the exterior of your home is prepared as well.
Cleaning your gutters after the leaves have all fallen off the trees can prevent damage to your roof, the fascia, and even your basement and crawlspace. If rain water and snow cannot travel down the spouts, it's going up and over...potentially damaging your garden beds located under those gutters, too. Before the first snow at a minimum, all gutters should be checked for debris and any downspout clogs. Ideally you'll have those gutters cleaned out when they're dry. If you have anywhere near the number of leaves we do, you'll be doing this cleaning more than once.
Take the time to visually inspect your trees for weak limbs. Snow and ice that builds up can cause limbs to crack and fall, damaging anything underneath, including your roof, shed or fence. There is great satisfaction in cutting down these limbs and hauling them away. HOWEVER, any trees that are near ANY power lines are best left to experts. Terrible accidents can happen if a homeowner's pruning tools come into contact with an energized wire.
All water connections on the outside of the house should be drained and closed tightly. If not done correctly, the water pipe leading into the house may freeze and crack, rendering it useless and expensive to fix next spring. Hoses and sprinklers should also be drained, coiled, and put away.
Winterizing your lawn is an important step so you do not have to spend additional money next spring putting it back together. All leaves, acorns, and twigs should be raked; if left in place, this debris will smother the grass and not allow air to get to the soil. Grass can be cut until the first frost. Applying proper fertilizer to the lawn before this event, preferably after a fresh cut, is important as it will keep the grass healthy and strong. Any shrubs that are overgrown should be cut back, allowing them to withstand heavy snow.
All of your outdoor patio furniture and decor should be cleaned and put away to prevent damage from the elements that can split wood, peel paint, and rust or rot joints. High winds alone can send lawn chairs into your neighbor's yard or the middle of the street. Pools should be properly drained and covered.
Preventative measures will be well worth your weekend time when you endure another winter without an insurance claim. When your home and your yard are intact next spring your weekends can be spent on the golf course! Should we be faced with a significant weather event, FEMAis a great information resource. Of course the Gordon Atlantic Insurance professionals always welcome your calls. Our toll free number is 1-800-649-3252. Prefer to type versus talk? Use the "Insurance Question" button below to send us a written message.