INSURANCE
5 Steps to Get Your Home Winter-Ready
Preparing your home for potentially hazardous winter conditions means taking some proactive steps and evaluating your insurance needs.
By Will Scott
Take the time to get your home ready for whatever winter throws at it. | PHOTO: DUALLOGIC/ENVATO
Winter can sure sneak up on you, especially here in Atlantic Canada. But it needn’t catch you by surprise. It’s important to be ready when it comes to the physical, structural and mechanical aspects of your home to ensure they can stand up to anything winter might unleash. While you’re at it, this is a good time to re-evaluate your home insurance. By making sure there are no gaps in your coverage, you can avoid costly surprises later. Severe seasonal storms can bring high winds and heavy snow and ice, and these can severely impact your property. Taking preventative steps now — and keeping a keen eye on things as the season progresses — will help safeguard your home. Some of these are things you can do yourself, but be sure to hire professionals for anything that is beyond your comfort zone or abilities.
1. Secure your roof
High winds can compromise loose roof shingles, siding and gutters. Inspect your roof for damage and clear your gutters to ensure effective drainage. Trim overhanging tree branches, which could fall and damage your roof. You may want to consider hiring a professional to examine all aspects of your roof, especially its ability to hold up against an accumulation of snow and ice.
2. Watch for ice and snow buildup Ice dams form when poor attic insulation and ventilation cause snow to melt and re-freeze in your eaves, wreaking havoc on your roof and shingles. If you noticed any issues last winter, now is the time to address them by ensuring your attic is properly insulated and air leaks are sealed. If you notice snow and ice building up this winter, consult a professional to determine if it needs clearing to prevent roof damage.
Taking preventative steps now — and keeping a keen eye on things as the season progresses — will help safeguard your home.
3. Protect your pipes
Cold snaps can freeze pipes, leading to bursts and severe water damage. Keep your home at a relatively even temperature, insulate exposed pipes and disconnect outdoor water lines ahead of frost’s arrival.
4. Prepare for power outages
Severe ice and snowstorms frequently cause power outages, making it more likely your pipes could freeze if the power remains off for an extended period. A generator for emergencies can not only provide comfort in case you lose heat, but will keep the temperature from plummeting, protecting your pipes against freezing and bursting, and power your sump pump.
5. Optimize Your Home Protection with CAA
While regular maintenance mitigates many risks, some seasonal weather issues are unavoidable. This is where CAA’s specialized coverage options provide a crucial safety net. For example, Service Line/Water Coverage protects against unexpected pipe failures, and Home Equipment Breakdown coverage looks after your central heating and HVAC systems. CAA

Keep a generator on hand in case of power outtages. | PHOTO: LIGHTFIELDSTUDIOS/ENVATO
Save up to 10% on property insurance. Property Insurance is underwritten by CAA Insurance Company. Certain conditions, exclusions, limitations and underwriting eligibility rules apply. To qualify for applicable member discounts, you must be a current CAA Member in good standing (membership dues paid in full by the membership expiry date). Insurance products, coverages, benefits, eligibility requirements and availability may vary by province. ® CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association. IN NEWFOUNDLAND & LABRADOR: Property Insurance is underwritten by Munn Insurance. To qualify for the discount, you must be a current CAA member in good standing (CAA membership dues paid in full by membership expiry date).


