Winter storms and cold snaps bring a unique set of challenges for homeowners and business owners alike. By preparing ahead of time, you can safeguard your property, loved ones, and customers from the harsh realities of severe weather. Below we walk through some essential steps to help you stay protected when the temperatures plummet.

Prevent Freezing Pipes and Water Damage

Frozen pipes can lead to costly damage, but a little preparation goes a long way:

• Insulate pipes: Pay special attention to pipes in attics, basements, and along exterior walls. Seal cracks and gaps with insulation or caulking.
• Monitor heating fuel levels: Before the cold sets in, check your fuel levels and schedule a refill if necessary.
• Locate your water shut-off: In the event of a burst pipe, shutting off the water promptly can prevent extensive damage. Know where your shut-off valve is located.
• Service sprinkler systems: Ensure your sprinkler system is serviced and consult with a professional about freeze prevention.
• Encourage warm airflow: Open indoor cabinets to allow warm air to circulate around pipes.
• Allow faucets to drip: Running water is less likely to freeze, so let faucets trickle during extreme cold.
• Set your thermostat: Maintain a minimum indoor temperature of 60 degrees Fahrenheit.
• Thaw pipes safely: If pipes freeze, use a hair dryer, space heater, or another safe method—never an open flame—to thaw them.
• Business precautions: Regularly monitor your building’s heating systems to catch problems early.

Manage Snow Loads and Ice Dams

Heavy snow and ice can damage roofs and lead to water backups. Take these steps to minimize risk:

• Clear snow responsibly: Use a roof rake to remove snow from the bottom four feet of your roof and around chimneys and valleys.
• Identify hazards: Before removing snow, locate skylights, vents, and other obstacles to avoid accidents.
• Practice ladder safety: Position your ladder on stable, ice-free ground and ensure it’s securely set.
• Use a safety harness: For steep roofs, consider hiring a professional. If you’re tackling the task yourself, wear a safety harness to reduce fall risks.

General Severe Cold Weather Preparation

Being ready for extreme weather ensures the safety of your household or business. Here’s how:

• Stock emergency essentials: Keep blankets, batteries, portable phone chargers, flashlights, drinking water, and non-perishable food on hand.
• Check detectors: Test smoke and carbon monoxide detectors to confirm they’re functioning properly.
• Plan for power outages: Seal drafts and keep exterior doors and windows closed to retain heat.
• Limit travel: If travel is unavoidable, carry a winter emergency kit with warm clothing and supplies.
• Protect children and pets: Keep everyone inside as much as possible. Pets should only go out briefly.
• Avoid unsafe heating methods: Never use gas ovens, grills, or other open-flame appliances indoors for heat, as they produce toxic fumes.

Why Preparation Matters

Taking proactive steps before winter’s worst hits isn’t just about avoiding inconvenience; it’s about protecting your home, your business, and the people who rely on you. Whether it’s insulating pipes, clearing snow, or stocking emergency supplies, every action adds a layer of security.

At Relation Insurance, we understand that life doesn’t pause for a snowstorm. That’s why we’re here to help you plan ahead, so you can focus on what matters most—your family, your business, and your peace of mind.

Find an Insurance location near you and talk to one of our experts. Your partner in protection. For Life’s Unpredictable moments.