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Fall is here and now is the time to start getting your home ready for harsh Midwest winters. With temperatures falling and meteorologists predicting a colder than normal winter, the easiest and most cost efficient way to keep your home’s heat inside, while keeping your heating bill respectable, is to add fresh insulation to your attic, ceilings, basement, and walls. Innovative Insurance offers these ideas for your review.

Prepare Your Home For Winter

Have an emergency kit ready; an emergency kit is simply a collection of basic items your household may need in the event of an emergency.  Include the following: water, flash lights and batteries, first aid kit, whistles to signal for help, basic tools, manual can opener, small supply of food, radio, candles, lighter, blankets and rope.

  • Insulate water pipes
  • Call an HVAC professional to inspect your furnace and clean ducts
  • Check your roof for leaks
  • Turn off all outside water and sprinklers
  • Clean wood stoves and chimneys
  • Install window insulators
  • Store summer tools and prep winter ones
  • Replace cracked glass, if you end up replacing the window, you will need to prime and paint exposed wood
  • Get a programmable thermostat
  • Make sure you caulk or repair and replace any siding that is failing
  • Seal cracks in windows, doors, foundations, and ducts
  • Replace batteries in smoke detectors
  • Clean gutters
  • Add insulation where needed
  • Check for leaks in gutters, windows and roofs
  • Cut shrubs away from your home

Your house is more than just an investment, it’s a place where memories are made and dreams are built. Whether you’re a first time home owner or celebrating many happy years in your dream home, from the lofts to the suburban tri levels, Innovative Insurance has a custom policy to fit all your Home Insurance needs. Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
 

We have all experienced record low temperatures and high snow fall this year, and we certainly hope spring comes soon. However, warmer weather will cause the snow to melt which can cause flooding.  There is no question Minnesota and the rest of the Midwest will be hit hard with flooding in the next few months. Now is the time to start thinking about flood insurance. According to the Weather.gov website, three factors can contribute to major flooding:

  1. Solid ground freeze
  2. A significant and growing snow pack
  3. Sudden warming

Here are some good reminders:

  • Most Flood policies have a mandatory 30-day waiting period which puts us at the beginning of April. This affects personal homes and commercial clients.
  • Flood insurance is not included under most home and business policies.
  • Water run off can be considered flooding.
  • Do you think you don’t need flood insurance because you don’t live along a river or stream? You might want to think again. Nobody is risk-free when it comes to flooding. In fact, 25% of all flood insurance claims occur in areas considered to be at “lower risk” for floods.
  • The average cost of property damage caused by a flood is $34,000, and it can take less than 1 foot of water to cause it.
  • Floods aren’t only caused by rising rivers or lakes. Flooding is also caused by levee or dam failures, or intentional releases, clogged storm drains, broken water mains, and even collapsed swimming pools!
  • Homeowners in “lower risk” areas can secure flood insurance for a very low cost.

Call Innovative Insurance today for a free quote. Don’t wait for water to be in your house to think about flood insurance!

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