For Owners: Prep Your House for Snowbird Season...
As the temperature drops and months of cold weather loom ahead, snowbirds pack up for warmer climates, anticipating sunny days free of freezing ice, snow shoveling and other winter worries. But if you’re not careful to prepare your home before you travel thousands of miles to your warmer destination, that escape won’t be so carefree.
“You just don’t know what can happen when you are away,” says Jack Luber, executive director of the National Home Watch Association, which represents companies that perform scheduled inspections of unoccupied homes. “Water heaters and pipes can spring leaks, and the smallest leak that goes undiscovered can cause a flood. Sometimes it’s just horrible.”
Closing up your home involves everything from setting timers for inside lights to letting a trusted neighbor know how to reach you. Create a checklist, like the packing list you prepare for a trip. Include hands-on tasks such as replacing furnace filters and setting temperature controls. Decide what kind of high-tech monitoring would work best for you, and review your homeowner’s insurance to be sure you are adequately covered. Consider hiring a home watch service. And try not to put everything off until the last minute.
Begin with the basics—simple things you can do yourself, says Luber. Ask a friendly neighbor to park his or her car in your driveway occasionally. Make sure timers turn lights on at different times, and in different parts of the house. “There are a lot of telltale signs when a house is empty,” says Luber. “You don’t want anything to give that impression.”
For winterizing, use insulated covers for outside spigots. Install alarms inside to alert you if the temperature drops too low. Consider shutting off the water and draining the pipes. Also, pour a little olive oil into the garbage disposal so it won’t rust. And empty and turn off the ice maker in the freezer—it could leak if the power goes out, says Rebecca Anderson, co-owner of Seasons Home Watch, in Mound, Minn., a service that visits properties for absent homeowners.
Check with your insurance agent. If you’re gone for just the seasonal months, your current policy likely will be fine. But for a longer absence you want to be sure you are adequately covered at both your primary and vacation residences, says Elaine Montgomery-Baisden, chief underwriting officer for personal insurance at Travelers. Coverage for unoccupied property varies by policy, and you may have to pay a surcharge for your unoccupied home. Tell your agent if you have someone housesitting or regularly checking on your house, because that could reduce your costs. Hire someone to clear snow from your sidewalks and driveway, to lessen the likelihood of someone falling and filing a claim, she says. (Get more tips at travelers.com/resources.)
Jo Moorman, 65, and her husband, Brice, 56, have a house near Scottsdale, Ariz., and a condo outside Minneapolis. When they leave the condo for a seven-month stay in Arizona, they “de-insure” an unused car left behind in Minnesota on their agent’s advice, saving several hundred dollars, Jo says. Check with your insurer on how to safely pare back coverage temporarily.