RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Tis the Season to Prepare Your Home for Cold Weather

December 15, 2015 2:00 am

Approximately one-fifth of homeowners insurance claims are brought on by damage caused by water or cold temperatures—much of which comes as a result of snowy conditions, according to the Insurance Information Institute (I.I.I.). Although standard homeowners and renters policies cover winter-related damage, such as that caused by burst pipes, ice dams and wind, as well as damage caused by either the weight of ice or snow, there are a few steps homeowners can take to protect their homes before winter kicks in. These include:

Cleaning out the gutters. Remove leaves, sticks and other debris so melting snow and ice can flow freely, which prevents damming, a condition in which water seeps into the house, potentially damaging ceilings and walls.

Installing gutter guards. This prevents debris from entering the gutter and interfering with the flow of water away from the house and into the ground.

Trimming trees and removing dead branches. Ice, snow and wind can cause weak trees or branches to break and damage your home or car, or injure someone walking by your property.

Adding extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic, it can cause snow or ice to melt and then re-freeze on the roof, resulting in an ice dam that can cause significant roof damage. Well-insulated basements, crawl spaces and unfinished rooms, such as garages, protect pipes from freezing.

Providing a reliable back-up power source. In the event of an electrical outage, continuous power will help prevent frozen pipes. Consider purchasing a portable generator to ensure your household’s safety.
 
Keep in mind that coverage for flooding, including flooding caused by melting snow, is available from FEMA’s National Flood Insurance Program (NFIP) and from some private insurance companies.
 
Remember also that melting snow can overburden sewer systems, causing raw sewage to back up into the drains in your home. Backed up sewers can cause thousands of dollars in damage to floors, walls, furniture and electrical systems. Sewer back-up coverage can be purchased either as a separate product or as an endorsement to your homeowners or renters policy.

Source: I.I.I.

Published with permission from RISMedia.


Tags:

A 10-Step Winter Preparedness Checklist for Drivers

December 14, 2015 1:57 am

From just-above-freezing temps to record snowfall, there’s no shortage of wild weather when it comes to winter. Before the season sets in, it’s important to assess your vehicle and prepare it for the months ahead, say the experts at the Car Care Council. This includes:
 
• Checking the battery and charging system for optimum performance. Cold weather is hard on batteries;
 
• Checking the antifreeze. As a general rule of thumb, clean, flush and put new antifreeze in the cooling system every two years;
 
• Checking that heaters, defrosters and wipers work properly. Consider winter wiper blades and use cold weather washer fluid;
 
• Checking the tire tread depth and tire pressure. If snow and ice are a problem in your area, consider special tires designed to grip slick roads. During winter, tire pressure should be checked weekly;
 
• Checking the oil and filter and be diligent about changing them at recommended intervals. Dirty oil can spell trouble in winter. Consider changing to “winter weight” oil if you live in a cold climate. Check the fuel, air and transmission filters at the same time;
 
• Checking engine performance before winter sets in. Winter magnifies existing problems such as hard starts, sluggish performance or rough idling;
 
• Checking the brakes. The braking system is the vehicle’s most important safety item;
 
• Checking the exhaust system for carbon online casino monoxide leaks, which can be especially dangerous during cold weather driving when windows are closed;
 
• Checking to see that exterior and interior lights work and headlights are properly aimed. During winter, drivers should keep their vehicle’s gas tank at least half-full to decrease the chances of moisture forming in the gas lines and possibly freezing;
 
• Checking the tire pressure of the spare in the trunk and stocking an emergency kit with an ice scraper and snowbrush, jumper cables, flashlight, blanket, extra clothes, bottled water, dry food snacks and needed medication.

Source: Car Care Council 

Published with permission from RISMedia.


Tags: