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How to Prevent Costly Damage to Home During Winter
Winter-related damage is the third-largest cause of property loss, according to the Insurance Information Institute, and some damage isn’t covered by insurance. Here’s what you can do to protect your home from potentially pricey winter problems.
From the inside: Pipes that freeze can burst and cause costly water damage. And if you’re away on a trip when pipes burst, the damage can get much worse. Pipes in outside walls, in a cold basement, in an attic or along the backs of cabinets are especially at risk of freezing. Add insulation to these pipes, and open kitchen and bathroom cabinets to allow warm air to circulate around the pipes — especially if you’re leaving town. Instead of turning off the heat while you’re away, set the thermostat no lower than 60 degrees to help prevent the pipes from freezing, says JoAnn Streem, vice-president of the risk consulting practice at insurer ACE Private Risk Services.
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