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Spring Thaw

springthawEach year, Michigan homeowners and businesses are hit with the harsh reality of winter, dealing with everything from snow covered roads and pot holes to slippery driveways and the dreaded NO SCHOOL Snow Days. You can’t change the weather, but we can minimize the toll it may take by implementing a few simple safeguards.  Heating and plumbing maintenance and the right insurance coverage, can help minimize any financial burdens that may follow seasonal storm damage.

This time of year, it is important to be aware of water damage that can be caused by Spring Thaw.  You can’t stop the water, but you can take measures to limit or prevent damage and save on restoration repairs.

Understand your insurance coverage

Read the details of your homeowner’s insurance coverage as it applies to water damage and flooding, because unless you carry flood insurance, any damage to your home caused by spring-thaw flooding is generally not covered. Many policies also don’t cover backed-up sewers unless you pay a higher premium specifically for this added coverage.

How to prevent water damage

No homeowner can prevent water damage under every circumstance, but you can prepare your home ahead of spring-thaw months to prevent common causes of damage.

  • Basement pumps. Install a sump pump or a sewer backflow value and keep a battery-operated backup in case of power failure. Consider installing a water alarm that warns when water is accumulating in your basement.
  • Basement storage. Keep valuable items out of your basement. Removing any electronics or stored valuables from your basement prior to spring-thaw warnings could prove to be an important ounce of prevention.
  • Debris removal. Remove debris from window wells, gutters and downspouts.
  • Doors and windows. Check for any leaks around doors and windows.
  • Exterior walls. Keep all exterior walls of your home well painted and sealed.
  • Flood drains. If you have flood drains, make sure they work properly.
  • Foundation cracks. Inspect your foundation for cracks that will allow water seepage and initiate repairs.
  • Grading. Inspect the grading around your home and make any changes. Design the grading to encourage the water to flow away from your home.
  • Landscaping. Trim trees and bushes away from your home and do not store wood or compost piles nearby.
  • Roof. Keep your roof in good repair. Unless a tree falls on your roof during a storm, most insurers expect you to maintain your roof to prevent water leaks caused by snow melting or torrential downpours.

Adapted from https://www.safetyinsurance.com

4 Simple Checks for Winter Savings

During the cold winter months, homeowners in most of the country find it necessary to turn on the heaters to keep warm. You can save energy when heating your home by taking the time to winterize for maximum energy savings.

Create a Winter Plan

Due to increasing energy costs, winter heating will consume an increasingly larger portion of a household’s energy budget. That’s why it’s important to check your home to insure that your heating dollars aren’t being wasted.

The end of summer and the beginning of fall is a perfect time to get your home ready for the ensuing cold-weather months. Use the steps listed below to help formulate a plan to winterize.

Check for Leaks

Weather stripping and caulking are the least expensive, simplest, most effective way to reduce energy waste in the winter. Improperly sealed homes can waste 10% to 15% of a home’s heating dollars.

  1. Check around doors and windows for leaks and drafts. Add weather-stripping or caulk any holes that allow heat to escape. Make sure doors seal properly.
  2. If your windows leak badly, consider replacing them with newer, more efficient ones. Remember that replacing windows can be expensive – it could take you quite a while to recover your costs from the energy savings alone.
  3. Every duct, wire or pipe that penetrates the walls, ceiling, or floor has the potential to waste energy. Plumbing vents can be especially bad, since they begin below the floor and go all the way through the roof. Seal them all with caulking or weather-stripping.
  4. Electric wall plugs and switches allow cold air in. Pre-cut, foam gaskets that fit behind the switch plate can effectively prevent leaks.
  5. Don’t forget to close the damper on your fireplace if there is no fire burning. This acts as an open window.
  6. Examine your house’s heating ducts for leaks. Since you don’t see them every day, ducts can leak for years without you knowing it. They can become torn or crushed and flattened. Have damaged ducts repaired or replaced. Duct tape can work for a short time, but after a while, it dries up and becomes useless.

Check Your Insulation

Insulation reduces the heat flowing out of your home during the winter months. Ensuring that your home is properly insulated will help your save energy when the temperatures drop.

  1. Insulate your attic. In older homes, thin can be the most cost-efficient way to cut home heating costs. Prior to energy efficiency standards, homes were often built with little or no insulation. As a result, a large amount of heat is lost through walls, floors, and ceilings.  The amount of insulation that you should install depends upon where you live. Insulation is measured in R-values, or the resistance to heat flow. The higher the R-value, the less resistant the product is to heat flow. Ask the salesperson at your local hardware store about the recommended R-values for your location.
  2. Weather-strip and insulate your attic hatch or door to prevent warm air from escaping out of the top of your house. Since warm air rises, this type of heat escape is common.
  3. Seal holes in the attic that lead down into the house, such as open wall tops and duct, plumbing, or electrical runs. Any hole that leads from a basement or crawlspace to an attic is a big energy waster. Cover and seal them with spray foam and rigid foam board if necessary.

 Review  your Heating System

Autumn is the perfect time to perform routine maintenance on your home’s heating system to ensure that it is running efficiently and effectively during the winter.

  1. Replace your heater’s air filter monthly. Since your heater will have to work less hard, it will run more efficiently. Cleaning and removing dust from vents or along baseboard heaters will have the same effect.
  2. If your heating system is old, you might consider updating it. A pre-1977 gas furnace is probably 50 percent to 60 percent efficient today. Modern gas furnaces, on the other hand, achieve efficiency ratings as high as 97 percent. Replacing an old heating system can cut your natural gas use nearly in half!
  3. Use your set-back thermostat if you have one. If you don’t have one, get one. A set-back thermostat allows you to automatically turn down the heat when you’re away at work or when you’re sleeping. you can then boost the temperature to a comfortable level when you need it. It takes less energy to warm a cool home than to maintain a warm temperature all day. Using a set-back thermostat can cut heating costs from 20% to 75%.Reverse the switch on your ceiling fans so they blow upward. This is especially valuable in high ceiling rooms, where heat that naturally rises is forced back down into the room.
  4. Make sure all hearing vents are opened and unblocked by furniture or other items. This will ensure that the air is evenly distributed through the home.