Temperatures Below Freezing Require Home, Health Precautions - Keating Agency Insurance

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home insuranceMild temperatures greeted New Year’s Ever revelers locally.  However, the folks at the Weather Channel promise bone chilling weather during January and February.

Special challenges for home maintenance and your health come with snow and freezing weather.  Take precautions for the coming cold to avoid potential problems and Homeowners Insurance claims.

The Keating Agency offers some tips to keep you, your family, and your home safe inside and out.

As Temperatures Fall, Your Home and Health Need Extra Care

Our friends at the Insurance Information Institute (III) know that freezing temperatures present a myriad of problems for your home and health.  Frozen pipes, carbon monoxide, and ice dams wreak havoc during the coldest months of the year.  The right counter measures can prevent headaches and claims.

Everyone likes to save energy.  However, money saved keeping the thermostat low could disappear if frozen pipes burst and flood your home.  Your Homeowners Insurance policy in most cases pays to fix the damage – after you pay your deductible.

When the weather dips below freezing, keep your thermostat no lower than 65 degrees.  The heat and letting faucets drip keep the water in your home moving, decreasing the potential for frozen pipes.

temperaturesOutside your house, you’ll want to keep walkways and downspouts clear of ice.  In addition to averting falls, clearing melting ice may protect your home from exterior flooding.  Water that seeps into your basement or crawl spaces generally isn’t covered by your Homeowners Insurance.

While you are outside, be mindful of your physical condition.  Environmental Health and Safety (EHS) Today notes that heavy snow and cold temperatures make snow shoveling one of the most strenuous winter activities.  Even using a snowblower can lead to strains, sprains, and serious injury.

If you do not exercise regularly or have health conditions, the American Academy of Orthopedic Surgeons suggests checking with your doctorHiring someone to clear your snow may be better for your health.

For those who shovel or blow snow, wear layered, water-repellent clothing.  Don’t wait for the snow to pile up before clearing.  Push, rather than lift snow and take frequent breaks.  Again, be mindful of your physical condition and how you feel.  Snow clearing is not a contest.

No matter how much snow we receive in 2019, these recommendations can keep you and your home in tip top shape.  In the event you need to file a claim, know that the Keating Agency will be with you every step of the process.

Twenty-nineteen marks 50 years of the Keating Agency serving the community.  Our commitment to you is as strong today as when we started.  Give us a call with any questions you may have.