Freezing Weather Homeowner Checklist
When freezing temperatures move in, a few simple steps can help prevent costly damage to your home. Use this checklist to prepare before, during, and after cold weather hits.
Before Freezing Weather Arrives
☐ Insulate exposed pipes in basements, crawlspaces, garages, and exterior walls
☐ Disconnect and store outdoor hoses
☐ Shut off water to exterior faucets (if possible)
☐ Seal cracks or gaps around doors, windows, and foundations
☐ Service your furnace or heating system
☐ Replace HVAC filters
☐ Check attic insulation and ventilation
☐ Clean gutters to prevent ice buildup
☐ Test smoke detectors and carbon monoxide alarms
During Freezing Temperatures
☐ Keep thermostat set to at least 55°F (even when away)
☐ Let faucets drip slightly during extreme cold
☐ Open cabinet doors under sinks to allow warm air to circulate
☐ Watch for signs of frozen pipes (reduced water flow, frost on pipes)
☐ Safely use space heaters (never unattended, keep clear of flammables)
☐ Keep interior doors open to improve air circulation
☐ Monitor roof edges for ice dams
Power Outage Preparation
☐ Keep flashlights and extra batteries on hand
☐ Have blankets, warm clothing, and non-perishable food available
☐ Know how to safely operate a generator (outdoors only)
☐ Unplug sensitive electronics to prevent surge damage
After The Freeze
☐ Check for leaks once temperatures rise
☐ Inspect ceilings, walls, and floors for water stains
☐ Look around exterior faucets and hose bibs for cracks
☐ Remove remaining snow or ice buildup safely
☐ Address minor issues before they become major repairs
Insurance Check
☐ Review your homeowners policy for coverage related to frozen pipes and water damage
☐ Understand what is and isn’t covered during power outages
☐ Keep documentation and photos if damage occurs
☐ Contact your insurance agent with questions before or after a loss
Freezing weather doesn’t have to mean expensive surprises. A little preparation (and a quick checklist) can help protect your home, your belongings, and your peace of mind all winter long. If you have questions about your homeowners insurance or want to review your coverage before the next cold snap, our team is happy to help.