Winter-Proofing Your Wisconsin Home

Winter-Proofing Your Wisconsin Home: How to Prevent and Recover from Cold Weather Damage

As winter settles across Wisconsin, homeowners know how quickly the season can shift from beautiful snowfall to costly damage. Ice, freezing temperatures, and heavy snow can all take a toll on your home — but a little preparation now can help you avoid major repairs later. From pre-season maintenance to post-storm recovery, here’s how to protect your property and peace of mind this winter.

Inside the Home: Keep the Heat In and the Damage Out

Cold weather can be tough on your home’s interior systems. Frozen pipes and malfunctioning heating systems are among the most common winter-related insurance claims. To prevent them:

Before winter sets in:

• Keep your thermostat set to 60°F or higher, even when you’re not home.
  

• Insulate pipes in basements, crawl spaces, and attics.
  

• Open cabinet doors in kitchens and bathrooms to let warm air circulate around plumbing.
  

• Schedule a furnace or boiler inspection to make sure your heating system runs safely and efficiently.

• Test smoke and carbon monoxide detectors and replace batteries as needed.

Pro tip: If you’re planning to be away for an extended time, have a neighbor or friend check your home periodically to ensure the heat is still running.

Outside the Home: Minimize Ice and Snow Damage

Wisconsin winters are known for their unpredictability, and exterior maintenance is key to keeping your property safe from snow and ice buildup. Take these steps before temperatures drop:

Roof and Gutters:

• Clean out gutters and downspouts so melting snow can drain properly.
  
  
• Check your roof for loose shingles or signs of wear.
  
  
• Install heat cables or guards in areas prone to ice damming.
  

Walkways and Driveways:

• Keep a supply of ice melt, sand, or salt on hand to prevent slips and falls.
  
  
• Shovel early and often during storms to prevent packed snow and ice.
  
  
• Check that handrails and steps are secure for added safety.
  

Windows and Doors:

• Seal gaps with weather stripping or caulk to reduce drafts and heating costs.
  
  
• Inspect storm windows and doors for proper fit and function.

These simple steps can help you avoid many of the most common — and costly — winter insurance claims, from roof leaks to liability from slips and falls.

After the Storm: Assess, Document, and Protect

Even with the best preparation, winter storms can leave damage behind. Acting quickly afterward can make all the difference in protecting your home and ensuring a smooth insurance claims process.

Immediately after a storm:

1. Check for safety first. Look for downed power lines, gas leaks, or unstable structures before entering your property.
   
   
2. Document the damage. Take clear photos and videos of any affected areas, including roofs, siding, and interiors.
   
   
3. Prevent further damage. Cover roof openings or broken windows with tarps or plywood to reduce additional loss.
   
   
4. Contact your insurance agent. The sooner you report a claim, the quicker repairs can begin.
   
   
5. Hire qualified professionals. Avoid storm-chasing contractors; always verify licensing and reviews before hiring.
   

If you’re unsure whether something is covered, your insurance agent can walk you through next steps — from documenting damages to coordinating with your carrier.

Review Your Coverage Before the Next Cold Front

The best way to stay protected this winter is to understand your policy before a storm hits. Ask your agent about:

• Your deductible for wind or hail claims
  
  
• Whether your policy pays replacement cost or actual cash value on your roof
  
  
• Coverage for frozen pipes and resulting water damage
  
  
• Any exclusions or special limits that may apply to winter-related damage
  

A quick review could save you thousands if the unexpected happens.

Final Thoughts

Winter in Wisconsin is as challenging as it is beautiful — but with a little preparation and the right coverage, you can weather the season with confidence. From insulating pipes and cleaning gutters to reviewing your policy, each step helps protect what matters most when the temperature drops.