Fall Checklist-Cleaning the Chimney for Winter Safety

There is nothing better than sitting in front of a fire when the temperatures begin to drop in Sandy, UT.  Unfortunately, without proper preparation, the fireplace and chimney can also be one of the most dangerous areas of your home, especially if the chimney hasn’t been cleaned since last winter. Along with scheduling a furnace inspection and contacting Smart Way Insurance Agency to review your policy, make sure your family stays warm and safe this winter by including chimney cleaning to your list.

Cold Weather Damage

Fall is the perfect time to have the chimney inspected to make sure last year’s winter weather didn’t cause any damage to the structure of the chimney. Concrete, brick and other masonry materials are extremely absorbent, so when temperatures drop below freezing any water that is trapped inside freezes. Frozen water expands so when it thaws, the shock causes the masonry materials to crack and crumble apart. If this damage is not repaired, it can seriously compromise the structure of your chimney and may even cause it to collapse. This can be dangerous in a number of ways, including damage to the house and its occupants.

Install a Chimney Cap

Installing a chimney cap is one of the least expensive preventive measures you can take against water penetration in the chimney. A chimney cap is also ideal for preventing wild animals and birds from getting your chimney. So, installing a chimney cap this fall will ensure your chimney is ready to fend off the ice, rain and snow this winter.

Check the Flashing

The flashing around the base of the chimney is used to prevent leaking where the chimney meets the roof. Over time, the flashing can break down and leave your home susceptible to water damage. Before the winter weather arrives, make sure the flashing is secure and have it replaced or repaired, if necessary.

Mid to late fall is the best time to schedule a chimney cleaning. A cleaning will ensure your chimney is free from cracks, water damage, creosote and blockages. Having an annual inspection and cleaning will help you feel confident in knowing that your family will stay safe and warm during the fire burning season.

When preparing your fall home checklist, residents of Sandy, UT should also remember to contact Smart Way Insurance Agency to review and/or update their current policies.

Sandy, UT auto insurance tips

If you own a car in Sandy, Utah, then you will need some form of auto insurance so that you can legally drive and protect yourself, your passengers, other drivers on the road and your vehicle. Below are some tips on what to look for when picking an auto insurance company to give you the best policy for your vehicle, lifestyle and budget.

WHAT DO THEY COVER WITH YOUR CAR?

Make sure you understand exactly what each insurance policy offered to you will cover and have the agents put all the details in layman’s terms, as the insurance industry lingo can tend to be a little confusing to those who aren’t accustomed to it. Make sure you understand what the insurance covers when you have an accident, whether they will cover a rental car while your car is being fixed and what the amount of your deductible is. Also, make sure you understand what a deductible is in the first place. If there’s anything you have any type of question about, just ask. If the agent won’t give you a clear answer, you probably don’t want to set up your policy with them.

WHAT DO THEY COVER WITH YOU AND YOUR PASSENGERS?

Insurance for automobiles is also supposed to protect your health and well-being in the event of an accident. So does the policy cover medical bills and if so, how much and for how long? You don’t want to have to pay out of pocket for medical bills due to a car accident, but sometimes with the wrong policy this can happen and it can wreck your finances and your life.

HOW ARE THEY REVIEWED?

Check the reviews about this insurance company. Do their other customers like them? Do they have a lot of other customers? Make sure they do have a large number and they are well-reviewed. Otherwise, they might not be reliable. Contact Smart Way Insurance Agency today.