Lindsay Goebel

As a risk manager serving Troy, Rochester Hills, Bloomfield Hills, Oakland Twp, and the surrounding areas, I am committed to protecting your assets and helping you achieve your dreams. Our agency prides itself on exceptional customer service, as reflected in our positive Google reviews. Beyond my professional role, I actively engage with the community as a wife, mother of two, and middle school girls' basketball coach. I am also proud to be a member of the Troy Chamber of Commerce and the Women's Council of Realtors of Greater Rochester Area. Additionally, I volunteer with Blessings in a Backpack Avondale. If we cross paths this winter, I look forward to saying hello!

Here are some winter insurance tips to help you safeguard your home and property:

1. Review your insurance policy: Take this opportunity to review your homeowner's insurance policy to understand your coverage, deductibles, and any exclusions that may apply. Ensure you have sufficient coverage for winter-related risks, such as snow damage or ice-related incidents.

2. Conduct a home inventory: Update your home inventory, documenting your valuable items. This will help you verify that you have adequate coverage for your personal property in case of loss or damage during the winter months.

3. Maintain your property: Winter maintenance is essential for preventing property damage. Clear snow and ice from walkways, driveways, and roofs to avoid potential hazards. Inspect your heating system and ensure your home is properly insulated to prevent frozen pipes.

4. Protect against ice and snow damage: Heavy snowfall can weigh down roofs and cause structural damage. If you notice excessive snow accumulation, consider hiring a professional to remove it safely. Additionally, check your gutters to ensure they are clear to prevent ice dams.

5. Prepare for winter storms: Winter can bring severe weather, so prepare your home accordingly. Secure outdoor furniture and decorations, and consider reinforcing windows and doors to protect against high winds and heavy snow.

6. Check smoke detectors and carbon monoxide detectors: Winter is an ideal time to test and replace batteries in your smoke detectors and carbon monoxide detectors. Properly functioning detectors are crucial for preventing accidents during the colder months when heating systems are in use.

7. Consider additional coverage: If you live in an area prone to winter hazards such as heavy snowfall or ice storms, consider adding additional coverage to your policy. This may include specialized coverage for snow removal or damage caused by falling trees.

Remember, it’s essential to consult with your insurance provider to discuss any specific concerns or questions you may have regarding your coverage this winter. Stay safe and warm!