One of the most dangerous seasons in the New England region is winter. The weather can be extreme, unpredictable, and can cause a lot of damage in its wake. Home insurance in Massachusetts is required by mortgage lenders but is also one of the best ways to protect your real estate investment. Fall River homeowners should take the necessary steps to prevent damage from happening by effectively maintaining, inspecting, and preparing their homes for the winter months. If you are in the market for quality homeowners insurance in MA that will protect the things that matter most, contact Paul Sullivan Insurance Agency. Our team of highly trained and experienced agents can help you get the best coverage and price on insurance in the Southcoast region. Contact a professional Fall River insurance agent today for a FREE quote.
Ice Dams on Roofing
Most Fall River homeowners are aware of the issues that can come from allowing ice dams to buildup on their roofing materials. Layers of snow and ice come together in the eaves or guttering of the roof to create a barrier that prevents the natural flow of water off the roof. This can spell big trouble if there is a big snow melt, runoff, or winter rainstorm, as the water will have to find another way to move off the roof. This can lead to structural damage, as well as costly leaks and water problems inside your home. While many people will simply use a snow rake to remove the snow from the roof to prevent a dam from forming, not all roofing materials can support this type of maintenance. If you aren’t sure, contact a roofing professional to obtain an inspection to check the integrity of your existing roof. Annual roofing inspections can help to spot small problems before they become expensive problems.
Make sure to update your home insurance in Massachusetts if you make any upgrades to your roofing materials. Some recommend a long-term prevention technique, which includes installing a water-repellant membrane in the roof underneath the shingles to provide an extra layer of protection. This can ensure that even if an ice dam were to form, water would not get into your structure. Contact your Fall River insurance agent to find out which repairs, upgrades, and services might earn you a discount on your annual premium for homeowners insurance in MA. Keeping up with maintenance requirements will help to keep your roof in good working order for many years to come, increasing the return on investment considerably.
Frozen Water Pipes
Another common issue faced by homeowners in the northern states is frozen water pipes. If you have exterior water pipes that are not insulated or protected in any way from the outdoor air and weather, they can freeze and cause a whole lot of damage indoors. This not only means that you won’t have access to fresh water until it gets fixed, but it can also cause problems with other systems inside of your home. Take the steps now to protect your home’s pipes and water system to prevent freezing and bursting. Allow heat to circulate around your home, ensure that there is enough insulation to keep the pipes at a constant temperature, and consider working with an experienced plumber or insulation expert to make sure the job is done right.
If you experience a frozen pipe, it can be thawed out slowly using towels soaked in warm water or even a hot water bottle. Don’t try to thaw it out too fast, or you could end up with more damage and problems. In the event of a burst water pipe, make sure that the water is turned off at the main valve as quickly as possible to stop the flow of water. This will halt any further damage to your home while you wait for help to arrive and fix the problem with the frozen or burst pipe. If you invest any money into preventive measures, retrofitting, and alterations to your home, either to prevent water pipes from freezing or cold air from getting inside your home, make sure to speak with your agent about homeowners insurance in MA. The more information you can provide about the maintenance that you do and the upgrades that are made, the better. You don’t want to file a claim and not get compensated for your home’s actual value. If your Fall River insurance agent doesn’t have proof of upgrades and work that has been done, your policy doesn’t cover it.
Get a FREE quote for home insurance in Massachusetts when you call Paul Sullivan Insurance Agency at 508-678-9611. We can answer any questions you might have about your current Fall River homeowners insurance policy or provide you with details about other ways that you can save on your monthly bill.