AP file photo A woman clears the snow in from her home.

DEARBORN — With winter here, AAA reminds homeowners that proactive maintenance is key to ensuring safety during the cold season and avoiding insurance claims. From frozen pipes to slippery sidewalks, winter hazards can lead to significant property damage and liability risks if left unchecked.

“Winter maintenance is the most effective way to prevent costly damage and provide peace of mind,” said Adrienne Woodland, spokeswoman for AAA – The Auto Club Group. “Taking time now to prepare can prevent extensive repairs and keep your family safe when winter storms hit.”

AAA recommends these 10 essential tasks for winter readiness:

– Protect Pipes from Freezing: Disconnect garden hoses, shut off exterior valves, and insulate exposed pipes to prevent bursts.

– Clear Gutters and Downspouts: Prevent ice dams and foundation damage by removing debris and extending downspouts.

– Schedule Chimney Cleaning: Reduce fire and carbon monoxide risks with annual inspections and proper wood-burning practices.

– Prevent Slip-and-Fall Accidents: Shovel snow promptly, apply de-icer, and maintain well-lit walkways to avoid liability claims.

– Inspect Roof and Flashing: Repair damaged shingles and clear debris to prevent leaks and structural damage.

– Maintain Heating Systems: Clean dryer vents, change furnace filters, and schedule annual tune-ups for safety and efficiency.

– Test Smoke and CO Detectors: Replace batteries and outdated units to safeguard against winter’s silent threats.

– Monitor for Ice Dams and Heavy Snow: Act quickly to remove excess snow and address ice buildup before damage occurs.

– Maintain Heat: Set your thermostat between 55F to 60F degrees while away in the winter to prevent frozen pipes. Below 55F may cause pipes to burst.

If Your Furnace Fails: If you are unable to shut off the water to your home, let faucets drip to prevent pipes from freezing. Open cabinet doors to allow warm air to circulate near pipes, especially those on exterior walls. If you’re unsure where your main water shutoff valve is located, create a trickle of water at your faucets to keep the water in the pipes moving.

“Water damage, fire hazards, and liability claims are among the most common winter insurance issues,” added Woodland. “Homeowners should review their policies to ensure adequate coverage for any of these risks.”