Storm Watch = Typically issued 12 to 48 hours prior to the beginning of a winter storm, a Storm Watch alerts the public to the possibility of winter weather (blizzard, heavy snow, freezing rain, sleet).

Storm Warning = Typically issued 12 to 24 hours before a winter storm is expected, a Storm Warning is issued when winter weather is imminent or occurring.

Winter Weather Advisory = Issued when winter weather has accumulated and will likely cause significant inconveniences and potential life-threatening incidents.

Help prevent pipes from freezing by keeping the thermostat set in the 60s, open cabinet doors to allow warm air to circulate around pipes, and let faucets drip slightly during extreme cold. It's also wise to insulate pipes in unheated areas, inspect the roof and ensure gutters remain clear throughout the winter to prevent ice dams.

From fire hazards to frozen pipes, the winter season can pose significant safety and financial risks. According to the National Fire Protection Agency, house fires occur more during winter than any other season. Home heating equipment accounts for one out of every six reported home fires and one in every five home fire deaths. Additionally, frozen pipes are a common winter hazard that can cost homeowners thousands of dollars in repairs.

In addition to the items listed above, consider including these items in an emergency kit.

Frostbite - A loss of feeling and color around the face, fingers, and toes.
Signs: Numbness, white or grayish-yellow skin, and firm or waxy skin.
Actions: Warm yourself by going to a warm room, soaking in warm water, or using body heat to warm. DO NOT massage or use a heating pad.

Hypothermia - An unusually low body temperature. Under 95°F is considered an emergency.
Signs: Shivering, exhaustion, confusion, fumbling hands, memory loss, slurred speech, and drowsiness.
Actions: Find a warm room and warm the center of the body - chest, neck, head, and groin - first. Keep body dry and wrapped in warm blankets.

Keep the generator dry to avoid electrical shock. Always use a heavy-duty extension cord when connecting the generator to appliances. Let the generator cool down before refueling. Install working carbon monoxide detectors on every level of your home.

Carbon monoxide poisoning is another serious risk during colder months. Known as the ‘invisible killer,’ the colorless, odorless, and toxic gas can be emitted by fuel-burning generators, heating systems, and portable heaters. Protect your household by installing carbon monoxide detectors on each level of the home and near sleeping areas. Ensure detectors are functioning properly and have fresh batteries.

If using space heaters, plug them directly into wall outlets—never power strips—and keep them at least 3 feet away from combustible materials like drapes, furniture, and bedding. Additionally, always be mindful of children and pets around heat-producing appliances.

For an auto claim, consider utilizing our Auto Claim Worksheet. For all other claims, consider utilizing our Property Claim Worksheet.