As winter nears (let’s face it; it’s Colorado – Fall has practically come and gone), we must force ourselves into preparation mode. Being an insurance agency, it is only in our nature to prevent the things we can or have coverage in place for the things we can’t. With that in mind, we want to help you keep a few things in the back of yours before winter really gets going.
Now may be the time to take a good look at your trees – for two reasons. First off, you may want to scan over the branches in your yard. What directions do they go? Are they in danger of falling on anything if they get too heavy from snow? Do they dangle over your neighbor’s property? Asking yourself these questions and taking action may save you from a messy homeowner’s claim over the winter.
Secondly, now that you know the direction the branches are pointed, do you know where the leaves will blow when they come off those branches? In other words, you may want to check your gutters and clean them out to prevent ice dams from forming over the winter. This occurs when the snow melts and then freezes.
Are you looking outside? Good. Now take a good, long look at the sidewalk in front of your house. Remember in some counties you can be fined for not shoveling public walkways in a timely manner – most commonly 24 hours for residents and even shorter for businesses. Check with your city and county to find out the exact laws in your area.