While most homeowners consider their homes places of safety and security, this isn’t always the case. During the winter months, harsh conditions can create serious safety hazards on your property. While having the right homeowners insurance in Carrollton, Texas can help you address claim events after they’ve occurred, you should try to be proactive about managing your home’s risks. Here are some of the steps that you should take around your home to protect against winter hazards.
Clear Your Gutters
Carrollton, Texas is subject to rainfall throughout the year. While rain might not seem like a huge deal, it can actually be quite damaging to your home’s roof and infrastructure if water accumulates on your roof and seeps into small cracks. This is why it’s so important to ensure that your home’s gutters are cleared out. When your gutters are clogged with debris, rainwater is not able to drain off your roof. As this water sits, it erodes your shingles and seeps into the wood of your roof and your home’s infrastructure. This water damage can be quite extensive and can actually compromise the stability of your home. To make matters worse, repairing this damage can also be extremely expensive. To avoid having to deal with a costly homeowner insurance claim, regularly check your home’s gutters to ensure that they are clear enough to allow rainwater to drain off.
Trim Your Trees
During the winter months, windy weather conditions increase the chances of falling tree branches. If the trees on your property drop their branches, then they can cause serious injuries, property damage, and other losses. For instance, if one of your trees dropped a branch onto your neighbor’s car, then you would be personally responsible for these damages. To reduce this serious personal liability risk, you should cut back all the tree branches that overhang your driveway, walkways, and your neighbors’ properties. This way, if tree branches fall, they will not threaten the safety of your loved ones or others.
These are some of the precautions you should take around your home to protect against winter hazards. Remember, having the right homeowners insurance in Carrollton, Texas is another way to protect yourself against serious winter claim events. For assistance with your home coverage needs, contact the experts at Mike Leonard Insurance Agency. Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Nationwide, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.