Winter weather safety tips and resources for individuals

Winter storms can bring significant wind, snow, freezing temperatures and storm surges (in coastal regions) which may lead to power outages and property damage. We are here to help should you need to file a claim.

Here are some tips to help you prepare for the storm and keep your family and property safe. 

 

Prepare today

1. Clean your gutters – Remove leaves and debris that may impact melting ice or snow from flowing.  
2. Perform regular property maintenance – Care for trees and shrubs that are close to the house, as frozen branches can break and cause damage.
3. Seal cracks and insulate - Seal all cracks, holes, windows, doors, and other openings on exterior walls with caulk or insulation to prevent cold air from entering.  
4. Insulate and add sensors to exposed pipes – Use pipe insulation, blankets, Styrofoam or swimming pool water noodles to help keep pipes from freezing. Adding a low temperature sensor near exposed pipes can also be useful, especially for seasonal homes which may not be winterized.
5. Install heat tape along the edges of the roof - Adding heat tape or strips can help melt holes through existing ice dams to potentially prevent water back-up.

Before the storm

1. Charge your phone and electronic devices.
2. Set your heat to 60 degrees or higher and put your refrigerator on the coldest setting.
3. Know where the main water shutoff is and how it works (in case pipes freeze).
4. Fill your car and generator with gas and keep extra fuel handy.
5. Keep home ventilation clear and shovel out vents.
6. Invest in a roof rake and check existing snow loads on your roof.
7. Prepare your emergency kit and emergency plan.

During the storm

1. Keep heat at 60 degrees or higher and close entries to unheated spaces to prevent frozen pipes.
2. Use generators outside where exhaust fumes can’t enter through window or door cracks.
3. Turn refrigerators and freezers to “high” in case of power outages.
4. Fill tubs and sinks with water (for washing and flushing only) if you are on a well.
5. Be careful when using a wood stove, fireplace or space heater.

After the storm

1. Check the roof – Consider hiring a contractor to remove snow from your roof to help prevent ice dams.
2. Clear out the snow – Remove snow from side walls and areas surrounding downspouts so that melting water has a path to flow away from the property.
3. If there is flooding:
   • Clean up pools of water.
   • Dry damp areas to prevent mold and mildew.
   • Move damp items outdoors when safe to prevent mold growth.
   • Move items away from damp areas.

Be sure to notify our claims team immediately if there is damage and protect the property while mitigating any future risk.

Weather resource center