Displaying items by tag: winterize

Winterizing your house to be ready for winter plus homeowners insurance - Schaefer & Delauder Insurance - Germantown and Frederick MDAs a homeowners, you are probably accustomed to handling home maintenance chores mostly in the springtime.  But the potential for damage to your house from the cold temperatures and brutal weather conditions of winter call for extra maintenance effort in the autumn as well. Don’t let Mother Nature get ahead of you.  Consider the following fall home maintenance tips.

  • Examine all gutters and downspouts for damage and remove any debris such as leaves.  This will help you avoid potential water damage inside your home from melting snow and ice.
  • Arrange for your chimney to be inspected and cleaned by a professional to help you avoid chimney fires caused by the buildup of creosote on the internal chimney walls. Your chimney technician can also check for structural problems in the chimney liner that could lead to sparks and embers escaping into walls, roof or attic.
  • Check your fire extinguisher to assure that it is in good working order and fully charged   This should be a multipurpose fire extinguisher (effective for ordinary combustibles, flammable liquids and electrical fires).
  • Be sure that your heating system is cleaned and functioning well before you need it.  Check manufacturer’s instructions for replacing your furnace filter and make the change before using your heating system. Fall could be the perfect time for an annual inspection by your local HVAC technician. 
  • Follow manufacturer’s instructions to clean out any dust and lint that has built up inside your clothes dryer. Don’t overlook the area behind and under the dryer and especially the exhaust duct – all areas with the potential for a dryer fire.
  • Test your smoke detectors to assure they are functioning properly. Change the batteries if/as necessary, and replace any malfunctioning smoke detectors. 
  • To avoid frozen water pipes, insulate any pipes that pass through exterior walls and unheated areas such as the attic, garage and basement to help prevent freezing.
  • Prevent drafts around windows and door by checking the seals and repairing the caulking if necessary. 

By taking these steps before winter weather sets in, you can avoid more damage and the need for urgent repairs during the cold months.

Homeowners Insurance Tip

Did you improve your home over the spring and summer – perhaps with a new backyard pool or deck or a room addition or something else? If so, then your property value has likely increased.  Plan to have a conversation with your insurance agent to be sure that your homeowners insurance policy still offers complete coverage.

Feel free to contact any of our very capable and experienced agents at Schaefer & Delauder Insurance either in Germantown or Frederick, MD to discuss your homeowners insurance questions.  We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.

Tuesday, 09 October 2018 13:24