Winter Weather Prep: 7 Smart Steps to Protect Your Home
Flood Insurance | Insurance Essentials | Personal Insurance | Safety & Prevention | Weather
By Nina C.
January 5, 2026 3 minute read

Winter can bring freezing temperatures, snowstorms, and unexpected headaches. At Chalmers, we want to help you avoid costly damage and keep your home safe all season long. Here are seven practical steps you can take today—plus a few modern upgrades—to stay ahead of winter risks.

1. Prevent Frozen Pipes

Frozen pipes are one of the most common winter claims. When temperatures dip below freezing:

  • Keep your home warm, even if you’re away.
  • Open cabinet doors under sinks during extreme cold to let warm air circulate.
  • Let faucets drip slowly to keep water moving.
2. Check and Drain Exterior Lines

Before the deep freeze:

  • Shut off and drain outdoor spigots.
  • Drain seasonal or rarely used equipment stored in unheated areas, such as garages or sheds.
3. Clean Gutters

Leaves and debris can lead to ice dams, which cause water damage inside your home. Make sure gutters are clear before snow starts piling up.

4. Service Heating Equipment

Schedule annual HVAC and heating system maintenance before winter hits. A well-maintained system is less likely to fail during extreme cold—and it helps keep energy costs down.

5. Insulate and Block Drafts

Protect pipes and keep your home cozy:

  • Use foam insulation or heat tape on exposed pipes in basements, attics, and crawl spaces.
  • Seal gaps around windows, doors, and foundation openings to block cold air.
6. Winterize Vacant Properties

If you’ll be away for an extended period:

  • Drain water from plumbing systems.
  • Consider shutting off the main water supply to prevent frozen pipes.
7. Use Sensors for Early Alerts

Smart technology can save you thousands in damage:

  • Temperature sensors alert you when your home gets too cold.
  • Water leak sensors detect leaks early. Many options work via Wi-Fi or cellular signal and integrate with smart home systems for real-time alerts.
Why This Matters Today

Extreme cold snaps can happen fast, and modern homes often rely on technology for protection. Adding sensors and smart thermostats is no longer a luxury—it’s a smart investment that can prevent major losses. Plus, energy efficiency upgrades can help reduce heating costs during a season when bills tend to spike.

Bottom Line

A little preparation now can help you avoid costly repairs and enjoy a worry-free winter.

Need help reviewing your coverage? Contact the Chalmers team today. We’re here to make sure you have the protection you need for whatever winter brings.

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