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As we head into another Wisconsin winter, it’s a great time to do a quick seasonal check around your home. These simple maintenance steps can help reduce winter-related issues and keep things running smoothly:

• Clear leaves and debris from gutters
• Turn off water supply to outdoor spigots
• Disconnect and store outdoor hoses
• Clean and inspect dryer vents
• Check and replace furnace filters as needed
• Ensure home insulation is adequate to help prevent ice damming
• Maintain a consistent indoor temperature if you’ll be traveling
• Unplug unused battery-powered items and review extension cord use
• Test smoke detectors and carbon monoxide detectors - and confirm you have them installed
• For more on winterizing your pipes, read our blog:

https://www.robertsonryan.com/personal-lines/2025/01/21/protect-your-home-from-winter-freeze-tips-to-avoid-burst-pipes-and-costly-damage/

If you have any questions about your insurance coverage, feel free to reach out. We’re always here to help.

Protect Your Home from Winter Freeze: Tips to Avoid Burst Pipes and Costly Damage | Robertson Ryan Insurance Winter can wreak havoc on your home’s plumbing. This guide covers ways to protect your property and peace of mind during the cold months.

Great article on Flood damage vs water back up and water damage to read!

Flood damage is a separate insurance policy**

If the water touched the ground outside before entering your home or business, it’s likely flood damage and needs flood insurance.

If it originated inside—like a pipe break, roof leak, or sump pump overflow—it’s water damage, but may still require special coverage.

Flood Damage vs. Water Damage — And Where Sump Pump Overflows Fit In | Robertson Ryan Insurance Know the distinction between Flood Damage &. Water Damage. Having the right policies in place can make a difference.

For many people, driving a vehicle that’s provided by their employer, or a business they own, is a major convenience. Whether you’re behind the wheel of a company-owned car, or your family members use vehicles titled to your business, it’s important to understand how this can affect your insurance coverage.

Great article.

Business Auto vs Personal Auto: Coverage Pitfalls to Avoid | Robertson Ryan Insurance Whether you're a business owner, an employee, or a family member driving a company car, it’s worth checking your policy.

Hitting the road this holiday weekend? 🚗 Watch out for these surprising summer driving hazards: https://www.emcinsurance.com/losscontrol/insights-d/2018/08/driving

https://www.robertsonryan.com/2025/02/26/navigating-insurance-needs-for-teen-drivers/

Navigating Insurance Needs for Teen Drivers | Robertson Ryan Insurance Your teen is ready to drive—are you ready to insure them? Discover the essentials of covering learner drivers without the stress

Replacement Cost vs. Actual Cash Value: A Homeowners Insurance Guide to Protect Your Roof

Replacement Cost vs. Actual Cash Value: A Homeowners Insurance Guide to Protect Your Roof | Robertson Ryan Insurance When it comes to protecting your home, your homeowners insurance policy plays a critical role. One key decision you’ll need to make is whether to insure