McCurdy Group - Insurance and Financial Consultants
Showing posts with label winter. Show all posts
Showing posts with label winter. Show all posts

Wednesday, December 23, 2015

Protect Your Home This December (With These Tips)




Winter (and Christmas) are just around the corner!  Here are a few important things to keep in mind to keep your home, vehicle, and family protected this month.

Have you decorated your home for the holidays?  While Christmas lights are pretty safe, it’s overloaded extension cords and outlets that pose a fire threat.  Be smart when plugging in your lights.

Space heaters are another fire danger.  Only choose heaters that have an automatic off switch if they tip over and keep them far away from flammable materials or fabrics. 

If you choose a real Christmas tree, make sure to keep it watered and turn off the lights when you’re not home. 

Before Santa arrives (or you light those fireplaces), make sure your chimney is clean! 

If the temperatures dip too low, remember to let your faucet drip slowly.  This will relieve pressure in the pipes and prevent them from freezing and bursting. 

Make sure your tires are well aired and in great shape, especially if you will be driving on icy roads.

Say a “Thank you!” to all of the First Responders in our community who work long hours during the holidays to keep us safe! 

We wish you and your family a happy holiday season!  We’d love to keep you protected all year long.  Give us a call today at 205-347-9343 for a free quote and consultation.

We will be closing at 1 PM on Christmas Eve (24th) and will be closed Christmas Day (25th) through Sunday the 27th. And will be opening at 9 AM on Monday the 28th. A very merry Christmas and a Happy Holidays from all of us! 

Wednesday, October 28, 2015

Preparing Your Home For Winter Freezes




With winter arriving soon, now is a great time to prepare your home for freezing temperatures.  Use the checklist below to give you ideas for keeping warm, preventing fires, and saving money.

  • Have your furnace inspected and serviced by a professional at least once a year.
  • Have chimneys and vents cleaned and inspected.  (Built up creosote is the leading cause of chimney fires!) 
  • Stock up on dry, seasoned wood for the fireplace or wood stove.
  • Check the condition of your fireplace screen.  Is it in good condition and secure?
  • Get a covered metal container ready to dispose of cooled ashes.  (And keep it at least 10 feet from your home.
  • Review fireplace safety with your kids!
  • Make sure all portable space heaters have an automatic shut-off and are kept at least 3 feet away from anything that can burn (like bedding). 
  • Test all smoke alarms and carbon monoxide alarms! 


Follow these tips and your home will be ready for winter and safe from fire hazards.  If youre concerned about protecting your belongings, give us a call to review your home insurance policy today! 

Thursday, January 29, 2015

Winter Home Maintenance Tips

Travelers Insurance made a wonderful 'winter home maintenance tips' article. It is below. Have a safe and happy winter! 
As winter nears, make sure your home is prepared to withstand another season of cold temperatures, driving winds and icy conditions. The maintenance that you do today can help prevent more costly emergency repairs in the height of a storm, when it can be difficult to find supplies and licensed contractors.
Following are five important categories to focus on for this winter:

Your Heating System

Before you give your heating system a workout this winter, take the time for preventive maintenance. It may help extend the life of your system and identify potential problems.
Before winter:
  • Have your furnace or boiler checked and serviced by a licensed contractor at least once a year, preferably before the heating season begins.
  • Clean or replace the furnace filter on forced hot air systems.
  • Have your chimney checked and serviced by a licensed contractor at least once a year. Pay particular attention to having creosote build-up removed for chimneys servicing woodstoves and fireplaces.
     
During winter:
  • Have your fuel tanks filled and keep an eye on levels throughout the winter.
  • Set your heat no lower than 55 degrees as the temperature inside the walls where water piping is located is colder than the living spaces; open doors to unoccupied rooms to keep an even temperature throughout the house.
  • Maintain your wood-burning or pellet stoves according to the manufacturer's instructions.

 
Your Insulation

Is your insulation prepared to protect you from the cold? As an important line of defense from winter’s gusty winds and freezing temperatures, it is worth taking some time to inspect and upgrade insulation and weather stripping before the season starts.
  • Add extra insulation in the attic to guard against ice dams. If too much heat escapes into the attic, it can warm the ice and snow on the roof. When it refreezes, it can cause an ice dam, which can lead to water damage inside your home or possibly even a roof collapse.
  • Add weather stripping around doors and caulk windows to guard against drafts and heat loss.
  • Remove screens from windows, and install storm windows.

 
Your Utilities

Freezing temperatures can be especially damaging to your home’s water piping. Make sure your pipes are adequately prepared to withstand a cold snap and remember to take extra precautions if you are going to be leaving your home, including shutting off your water. 
  • Check for water leaks and fix problems immediately; wrap water piping in UL-Listed heat tape and insulate if it is exposed in unheated areas such as garages, crawl spaces or attics. Use only thermostatically controlled heat tape if your water piping is plastic and follow the manufacturer's installation instructions.
  • Learn how to shut off your water and know where your pipes are located in case they do freeze; you may be able to prevent water damage.

 
Your Winter Safety Measures

As you prepare for winter, following are some further safety measures that are especially important during the cold season.
  • Trim trees and remove dead branches so they do not damage your home or injure someone if they fall because of ice, snow or wind.
  • Keep gutters clear of leaves, sticks and other debris to ensure melting snow can drain properly. Make sure downspouts direct water away from the foundation.
  • Repair steps and handrails to make them safer in the ice and snow.
  • Check smoke detectors, fire alarms and carbon monoxide detectors and replace batteries to ensure they are operating properly.

  
Your Key Supplies and Equipment

The first storm of the year can come sooner than you think. Stock up early and get key equipment, like snow blowers and generators, in good working condition long before you need them, so you can be prepared to enjoy what the season has to offer.
  • Make sure you have snow shovels and a roof rake on hand. Stock your ice melting compound to melt ice on walkways.
  • Have your snow blower and generator serviced and any necessary repairs made.
  • Keep fuel for snow blowers and generators in approved safety containers and away from heat or flame producing devices. Do not store fuel in your basement.

Friday, October 3, 2014

The Snowbird’s Guide to Winterizing Your Home

Before we know it will be that time of year to pack up and go south for the winter to escape the New England winter’s fury. Here are some tips to start thinking about before you leave for securing your home while you’re gone:

•Turn the heat down but keep it high enough so that you won’t end up with frozen pipes that could burst

•Set programmable timers for the lights and television so that it appears that you are still living in the home

•Lock all windows and doors, including the inside garage door to the house, and place steel bars in slider doors

•Give a trusted friend or neighbor a key and ask them to check the house periodically

•Arrange to have the snow cleared from your sidewalk and driveway

•Ask your neighbor to park in your driveway periodically

•Add motion-detecting security lights outside

•Make sure your gutters are cleaned to prevent ice damns damage while you’re gone