We admit it: As insurance pros, our picture of winter isn’t exactly cozy. Winter storms mean traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk of fire.

A picture-perfect winter requires a few precautions

• Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies.
• Keep your attic cool to prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.
• Do not overload circuits with holiday decorations.

When winter storms hit, be smart

• If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your car and have a full tank of gas.
• If pipes freeze, let them thaw normally-they’ll be less likely to burst.
• And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers

We want to help you rest easy.  You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your insurance policy covers repair or rebuilding costs. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen.

Want to review your home policy to be sure you have enough coverage? Call us at 925-447-2565 or visit our website for a free insurance review!

Want a homeowner’s quote? Submit a quote request on our website and receive a $10 Starbucks gift card-to keep you warm throughout the cold winter storms!

www.genemorganinsurance.com