Each season comes with joys, events and a list of things to do while it’s here. Fall is no different with its beautiful colors, fairs, harvest bounty, Thanksgiving, as well as changing temperatures, hurricanes, tornados, early freezes and the ever possible nor’easter with howling winds and driven snow. The gardens must be closed, outdoor equipment put away and the house gotten ready because we know winter is not far behind. For us hardy New Englanders, we take these changes in stride; after all, we have chosen to live here. (Though after last winter, we are asking Santa for a milder winter and are praying to the weather gods for mercy this year!)
While we would love to be able to help ALL of you with your fall and winter tasks and then share a favorite beverage, the best help we can offer is our insurance expertise in the form of information and education about insurance coverages that can help when even the best preparations fail. That is what this newsletter, the monthly emails, our Facebook posts and mailings are all about. We can’t call and personally speak to ALL our insureds on every topic, so we use the other avenues available to us to keep you informed. We promise that we will be here if you call us with questions or need more information or a quote on coverages.
So here are some seasonal tasks that are good loss control measures and may help you avoid a claim:
- Clean gutters well & make sure they’re working. Nothing grows an ice dam like a clogged gutter!
- Chimney and furnace cleaning make for more efficient heating and help avoid puff backs.
- Trim trees and bushes near the house. Wind & snow can make them bang against the building.
- Service your car, do winter preps, check tires, fluids and have an emergency kit in the trunk.
- Tune up winter equipment – snow blowers, chainsaws, and drain summer equipment properly.
- Have your rock salt, snow rake, shovels in place or easily accessible.
- Check for good weather seals around your windows and doors. Reseal any cracks.
- Check your policy if you are hosting a party. Make sure Host Liquor Liability is included so you will be covered should any of your guests get too “merry.”
- Cyber Liability is not just a new coverage – it is a necessary coverage with all the media devices that carry our information. Adopt early; don’t wait till you are hacked.
- If you will need a generator should the power go out, NOW is the time to buy one.
- Make a reasonable budget for holiday giving and keep track of spending and NO GOING OVER!
- Change your passwords on all your devices and digital accounts to help prevent hacking.