• It’s time to Winterize

    Its college bowl season, time to shop for new ski’s, time to consider how to protect your home from the winter conditions that are fast approaching. With temperatures falling and meteorologists predicting a colder than normal winter, the easiest and most cost efficient way to keep your home’s heat inside, while keeping your heating bill respectable, is to add fresh insulation to your attic, ceilings, basement, and walls. Mark Wolf (of the National Energy Assistance Directors’ Association) states that these do-it-yourself home upgrades could cause instant energy savings between 10 and 20%.

    Winter storm damage can cause thousands of dollars in damage to your home, vehicles, and business. Only recently, the National Insurance Crime Bureau reported that Super Storm Sandy damaged 230,000-250,000 vehicles, many a complete loss! Let American Underwriters Insurance provide you with an insurance check-up to make sure you have the best possible insurance coverage, but consider other ways to be prepared during a disaster or winter storm, as well.

    Have an emergency kit ready; an emergency kit is simply a collection of basic items your household may need in the event of an emergency. Include the following: water, flash lights and batteries, first aid kit, whistles to signal for help, basic tools, manual can opener, small supply of food, radio, candles, lighter, blankets and rope.

    The following is a checklist for what homeowners ought to be doing when prepping for the cold season. Stick to it, and you're sure to have a warmer and more relaxed winter experience.

    • Reverse ceiling fan rotation

    • Inspect your furnace

    • Insulate water pipes

    • Clean wood stoves and chimneys (use licensed contractors and ask for proof of their insurance)

    • Store summer tools and prep winter ones

    • Stock up on emergency supplies

    • Make sure your recreation vehicles get the same care as your home

    • Seal cracks in windows, doors, and ducts

    • Replace batteries in smoke detectors

    • Clean gutters

    • Cut shrubs away from your home

    If you have other ideas you’d like to share, please feel free to contribute your comments. We’d love to hear about your winterization checklist!


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Welcome to American Underwriter's Blog

American Underwriter's Blog by
Lavonne Northcutt and Nick Stay

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Insurance is only one piece of risk management. There are many things that each of us can do to avoid a loss altogether. This blog was created to give you tips to avoid a claim, what to do during a claim, and to offer basic insurance product information. We hope you'll find it helpful!


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