November Loss Prevention: Winter Weather Preparation

As winter approaches, now is the time for homeowners to prepare their homes, vehicles, and families for colder temperatures, snow, ice, and potential power outages. Taking a few proactive steps before severe weather arrives can help reduce property damage, avoid costly repairs, and keep everyone safe throughout the season.

Prepare Your Home

  • Inspect and seal gaps around windows and doors to prevent drafts and heat loss.
  • Have your heating system inspected and serviced before temperatures drop.
  • Insulate exposed pipes in unheated areas to help prevent freezing.
  • Clean gutters and downspouts to allow proper drainage and reduce ice dam formation.

Prevent Frozen Pipes

  • Disconnect and store garden hoses before freezing temperatures arrive.
  • Shut off and drain exterior water lines when possible.
  • Keep your thermostat set to at least 55°F, even when away from home.
  • Open cabinet doors beneath sinks to allow warm air to circulate around plumbing when away from home for extended periods of time.

Prepare for Power Outages

  • Stock flashlights, extra batteries, blankets, and a first aid kit.
  • Test smoke alarms and carbon monoxide detectors monthly.
  • Keep mobile phones charged and consider a backup power source.
  • Never operate generators indoors or in attached garages.

Winterize Your Vehicle

  • Check your battery, tires, brakes, and windshield wipers.
  • Keep your gas tank at least half full during winter months.
  • Pack an emergency kit including:
    • Blankets
    • Flashlight
    • Phone charger
    • Bottled water
    • Ice scraper
    • Jumper cables

Be Ready for Winter Storms

  • Monitor weather forecasts and winter storm advisories.
  • Keep walkways clear and apply salt or sand to reduce slip hazards.
  • Trim tree branches that could fall under the weight of snow or ice.
  • Know where your home’s main electrical panel and water shutoff valve are located.

Please share this downloadable checklist on your social media pages, website, or directly to policyholders. 

Thank you for your continued support of the N&D | Union Mutual Insurance Group.

November Fun Fact

The average Thanksgiving turkey weighs about 15 pounds, and Americans consume approximately 46 million turkeys each Thanksgiving!

On Sunday, Nov 16, 2025, at 12 AM ET, we will be performing scheduled maintenance on our systems.

During this time, our payment system will be inaccessible.

We estimate that our payment system will be back online by 12:30 PM ET. We appreciate your patience and apologize for any inconvenience this may have caused.

On Sunday May 31, 2026, beginning at 9:00AM ET, we will be conducting scheduled system maintenance. During this time, Pay Online, Policyholder Login, the My Insurance website and Mobile app will be temporarily unavailable. We anticipate services to be restored by 11:00AM ET. Thank you for your patience as we complete these updates, and we apologize for any inconvenience.

Happy Holidays!

Our offices will be closed on 12/24, 12/25, and 1/1. On December 24, a limited staff will be available from 8:30 AM to 4:30 PM to assist you. We appreciate your partnership throughout the year and wish you a safe and joyful holiday season.

NOTE: Policyholders impacted by recent winter storms can report a claim online, by phone, or through their independent agent. Once your claim is received, it will be reviewed and assigned to a Claims representative, who will follow up as soon as possible. Visit the “Report a Claim” page for more information.
Click Here for important reminders on preventing additional damage caused by winter weather."