With the winter season fast approaching, many of us begin to feel the chill in the air and the concern of keeping our homes safe and warm. It’s important to remember that a few proactive steps now can prevent a lot of stress and potentially costly insurance claims later.

Boost Indoor Air Quality

Spending more time indoors calls for cleaner air. Consider using HEPA filters to capture viruses and particles or opting for MERV 13+ filters if dust and allergens are your primary concern. These filters can be installed in HVAC systems or used in portable air units for more flexible placement.

Insulate Exposed Pipes

A crucial winter prep task is insulating exposed pipes to prevent freezing and bursting, especially those located in basements or against exterior walls. Pipe insulation can be found at most home improvement stores and is a simple, effective solution.

Seal Gaps Around Windows and Doors

If you’re feeling drafts, it’s time to seal up gaps around windows and doors. This is a classic but effective way to retain heat, reduce energy bills, and keep your home cozy when the cold winds blow.

Update Smart Thermostat Settings

Many smart thermostat models automatically adjust settings to reduce energy waste, allowing you to set and forget about it. For optimal comfort, try setting it between 68°F and 70°F while you're home. You’ll be amazed at the difference it makes to your energy bill!

Clean Out Gutters

Clearing out leaves and debris from your gutters can prevent ice dams and water backup, which are common issues with heavy snow. A clean gutter system ensures water flows away from your home, avoiding costly water damage.

Clear and Check Solar Panels

For those equipped with solar panels, don’t forget to activate winter modes and routinely clear off snow after storms to maintain their efficiency. Adding this chore to your post-storm cleanup can make a significant difference in energy output.

Document Your Home Digitally

Creating a video walkthrough of your home and its contents is wise for potential insurance claims. A simple smartphone video can streamline the claims process, ensuring you’re covered if the need arises.

Schedule a Heating System Checkup

Prevent unexpected breakdowns during cold snaps by scheduling an annual inspection of your heating system. A heating technician can ensure everything runs smoothly and keeps you warm throughout the winter.

Even taking just a few of these steps can make a big difference in protecting your home during winter. It's never too late to start, so stay proactive! For added peace of mind, consider reviewing your homeowners insurance policy, especially if you're unsure what’s covered during winter weather events.