Winter Hazards That Catch You By Surprise

The latest data from the Insurance Information Institute reports the average homeowner's claim for water damage and freezing is $5,531.

Use these tips to help avoid costly damage:

Prevent Ice Dams - If the snow touching your roof melts and then refreezes, it causes an ice dam, backing up water which leaks into your house. You need a cold roof. Maintain proper attic insulation and soffit vents so cold outside air can pass through.   If you see icicles forming on the edge of your roof you know you have a problem with too much heat escaping.  Make sure your gutters are clear.

Snow Load - When do I need to remove the snow from my roof? The rule of thumb is -  ALWAYS. Snow may be light and fluffy at first, but it freezes into heavy ice.

Don't Scoff at Winter Car Kits - If you slide off a slippery road late at night, you'll be glad you packed your flashlight, warm blanket, snow shovel, kitty litter (for traction), water and snacks.

 A little preparation goes a long way.