Checking the furnace, air ducts, gutters and water pipes before the cold weather
hits will help you prepare your house for the worst.

By Insure.com

For many of us, winter means curling up next to the fireplace. But what if your
home isn't prepared for winter weather? These helpful tips from the Insurance
Information Institute and the National Association of the Remodeling Industry can
help eliminate some of the worry about your home this winter.

1.        Make sure your furnace is in good working order. Check that the furnace
filter is clean and replace it if it's not. Ensure that the thermostat and pilot light are
working properly and that the pipe bringing fuel to your furnace isn't leaking or
loose.


2.        Have your heating ducts cleaned. It's recommended that the ducts be
vacuumed every five years.


3.        Trim trees and remove dead branches. Ice, snow and wind could cause
weak trees or branches to break, damaging your home or car, or injuring someone
walking on your property.


4.        Remember all the leaves that fell off your trees in autumn? Well, a lot of them
are still in your gutters. Cleaning them out should prevent water from building up
and freezing in the gutters.


5.        As long as you are cleaning out leaves, make sure none are clogging your
chimney. Install a screen over the chimney top to prevent this after cleaning.


6.        Check the caulking around doors and windows to make sure there's no
cracking or peeling. Recaulking if needed prevents cold air from entering your
home. Why pay a higher heating bill if you don't have to?


7.        Keep snow and ice from building up around the bottom of the garage door
so it closes completely and doesn't warp.


8.        Frozen water pipes can crack and spew gallons of water all over your home.
Prevent this by draining your pipe's hose bibs and by keeping your heat on even
when you're away from home.


9.        Keep the house warm. The temperature in the home should be at least 65
degrees. The temperature inside the walls where the pipes are located is
substantially colder than the walls themselves. A temperature lower than 65
degrees will not keep the pipes from freezing.


10.        Make sure steps and handrails are in good shape. Broken stairs and
banisters can become dangerous when covered with snow and ice. Make repairs
now to prevent someone from falling and being seriously injured.


11.        Get to know your plumbing. Learn how to shut the water off and know
where your pipes are located. If your pipes do freeze, time is of the essence. The
quicker you can shut off the water, or direct your plumber to the problem, the
better chance you have to prevent pipes from bursting.


12.        Take special care if you plan to be away from home. If you are not going to
be in your home this winter for an extended period of time, have the water system
drained by a professional to keep pipes from freezing or bursting. Also, hire
someone to check on your home on a regular basis. If there is a problem, it can be
fixed quickly -- lessening any damage. Activity at your home will also reduce the
likelihood that it will be burglarized.


13.        Drain the gasoline from lawnmowers, weed whackers and other engines
that won't be used until summer
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