Losses from winter storms have averaged in the billions annually for the past 20 years. Many winter-related disasters can be prevented if you take a few simple steps to protect your home from snow, wind and freezing temperatures.

Outside your home...
1. Remove debris from gutters, so melting snow and ice can flow freely to prevent ice dams—a condition where water can’t drain through the gutters and seeps into the house instead, causing damage. Gutter guards keep debris out of gutters.

2. Trim trees and remove dead branches. Ice, snow and wind can cause weak trees or branches to break and cause damage to your home or car, as well as injury to people on your property.

3. Repair steps and handrails. Broken stairs and banisters can become lethal when covered with snow and ice.

4. Seal cracks in outside walls and foundations.

5. Use caulking to protect water pipes and make sure that skylights and other roof openings have proper weather stripping to prevent snowmelt from seeping in.

Inside Your Home...
1. Keep the house warm. Set the thermostat for at least 65 degrees, since the temperature inside the walls, where the pipes are located, is substantially colder.

2. Add extra insulation. Heat escaping through the attic can cause snow or ice to melt on the roof which can result in a collapsed roof and can contribute to ice damming. (cont pg. 2)

This publication provides summary information and should not be regarded as a comprehensive discussion
of the issues presented. Upon request, we would be pleased to provide information specific to your needs.