Mid-Winter Home Maintenance Checklist to Prevent Claims

February is a tricky month for homeowners. Winter isn’t over, but temperatures often fluctuate enough to create new risks. A little proactive home maintenance now can help prevent costly insurance claims later.

Start with your gutters and downspouts. Ice buildup can cause blockages that force melting snow into unwanted areas, including under your roofline. Clearing debris reduces the risk of leaks and ice dams. While examining the roof, look for loose shingles or damage caused by earlier storms.

Inside the home, check for drafts around doors and windows. These small leaks not only increase heating bills but also raise the likelihood of frozen pipes. Pipes in unheated areas—such as garages, crawl spaces, and attics—should be insulated, and cabinet doors may need to stay slightly open during cold spells.

Next, test smoke and carbon monoxide detectors. Winter heating systems run constantly, increasing the risk of fire or carbon monoxide exposure. Replace batteries and confirm devices are functioning properly.

Basements also need attention. Moisture from melted snow can seep in through cracks or clogged exterior drains. Inspect sump pumps, foundation walls, and basement windows for early warning signs.

With a few preventive steps, homeowners can reduce the chance of winter-related damage and protect their property through the final stretch of the season.