Winter in Middlesex County is beautiful, but as any Burlington resident knows, it brings unique challenges to our doorsteps and our commutes. From navigating the slush on I-95 to protecting older New England homes from the deep freeze, being prepared is the best way to enjoy the season.
At W. Gochis Insurance, we see a significant spike in claims this time of year—everything from ice dam leaks to “fender benders” on slippery local roads. The best way to save money and avoid the hassle of a claim is prevention.
Here is our local guide to protecting your assets this winter and understanding how your Burlington auto and home insurance policies work when you need them most.
Home Protection: Guarding Against the Massachusetts Freeze
Our New England climate is famous for rapid temperature swings that wreak havoc on plumbing and roofing.
Pipes and Water Damage: Prevention is Key
- Insulate Exposed Pipes: Focus on pipes in unheated areas like New England basements, attics, and crawl spaces. Inexpensive foam pipe sleeves are a great first line of defense.
- The Drip Trick: When the forecast calls for “Polar Vortex” temperatures, allow a faucet to slowly drip cold water. This relieves pressure and prevents the pipe from bursting.
- Open Cabinets: For kitchen or bathroom sinks located on exterior walls, keep cabinet doors open to let the home’s heat reach the plumbing.
- Know Your Main Shutoff: If a pipe bursts, every second counts. Ensure everyone in your family knows where the main water shutoff valve is located.
💡 W. Gochis Insurance Tip: Homeowners policies typically cover sudden water damage from burst pipes. However, coverage can be denied if the damage is due to lack of maintenance (like leaving the heat off while you head south for the winter). Always maintain a minimum of 55-60 degrees in your home.
Ice Dams and Roof Safety
Ice dams are a major issue in the Greater Boston area. They occur when heat escapes your roof, melts the snow, and then refreezes at the cold eaves, trapping water under your shingles.
- Rake the Roof: After a heavy Burlington snowfall, use a roof rake to clear the first 3-4 feet of snow from your roof edge.
- Clear the Gutters: Make sure fall leaves are cleared so melting snow can actually flow off the roof.
- Check the Attic: Proper insulation and ventilation are the only long-term ways to prevent the “hot roof” that causes dams in the first place.
Auto Safety: Navigating Route 3 and Beyond
Winter driving in Massachusetts requires extra vigilance. Whether you are commuting into Boston or just heading to the Burlington Mall, the roads can turn treacherous in minutes.
Vehicle Preparation
- Check Your Tires: Cold air causes tire pressure to drop. Make sure yours are properly inflated and have enough tread. If you commute early before the plows are out, consider a set of winter tires.
- The “New England” Emergency Kit: Keep a kit in your trunk with jumper cables, a snow brush/ice scraper, blankets, a first-aid kit, and a bag of sand or kitty litter for traction if you get stuck in a snowbank.
- Test Your Battery: Car batteries lose significant power in freezing temperatures. If your battery is more than 3 years old, have it tested.
Safe Driving Practices
- The 3-Second Rule (Extended): On icy or slushy roads, triple your following distance. It takes much longer to stop on a frozen Middlesex Turnpike than it does in July.
- Clear Your Entire Car: It’s not just about visibility—it’s the law in Massachusetts. Removing snow and ice from your roof prevents it from flying off and hitting other drivers.
💡 W. Gochis Insurance Tip: * Collision Coverage: Covers damage to your vehicle if you slide on ice and hit a guardrail or another car (minus your deductible).
- Comprehensive Coverage: Covers “Acts of God,” such as a heavy tree limb falling on your car during an ice storm.
Your Next Steps for Winter Readiness
Don’t wait for the first major Nor’easter to wonder if you’re covered. Take these three steps this week:
- Home: Check your pipe insulation and test your heat.
- Auto: Top off your windshield washer fluid (use the -20°F winter blend) and check your tire tread.
- Insurance Review: Call the team at W. Gochis Insurance. We can review your deductibles and ensure you have the right coverage for common New England winter perils.
Stay safe and stay warm! ### Contact W. Gochis Insurance Today Since 1977, we’ve been helping our neighbors in Burlington and throughout Massachusetts stay protected.
📞 Call us: (781) 272-8306
📍 Stop by: 110 Cambridge St, Burlington, MA 01803