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ASZ International, Inc.

200 Summit Lake Drive
Suite 220
Valhalla, NY 10595

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Preventing Pipes from Freezing

As the winter months continue, and temperatures continue to fly below freezing, it’s important for everyone to learn tips on how to avoid freezing pipes. With early detection and proper preparation, you can easily avoid this well-known winter peril.

Pipes that can freeze:

Frozen pipes can occur in both indoor and outdoor areas. Due to their outdoor location, the more common water lines that freeze are outdoor hose bibs, swimming pool supply lines, and water sprinkler lines. The indoor areas are where people tend to forget that they could be at risk. Unheated interior areas such as basements, crawl spaces, attics, garages, and kitchen cabinets that run against exterior walls that may have little or no insulations, are also in danger of freezing.

Contributions to frozen pipes:

There are a few different factors that can play into pipes freezing. Often, we think about the decline in temperature as being the main reason for freezing pipes. But there are other factors to also consider. One of them being the construction of the building. Buildings that are poorly designed and don’t withstand severe weather, as well as the age of the plumbing system in the home can play a huge part in frozen pipes. The quality and quantity of insulation are other key factors to think about. Blow-in or foam insulation added between interior and exterior wall surfaces and studs may actually insulate heat away from pipes, making them more prone to freezing. Lastly, it’s important to consider the fact that power outages could in fact impact your pipes. Most heating systems depend on electricity, so when the power goes off, so does the heat. Of course, it is most important to realize the impact of power outages during the cold winter months when the pipes are more susceptible to freezing without heat as damage could occur before the power is restored.

Preventing frozen pipes:

As the fall comes to an end, and the winter season is soon to begin, it’s important to drain and disconnect all outdoor pipes. For example, be sure to drain the water from your swimming pool, water sprinkler supply lines, hoses, and any outdoor plumbing systems. Using compressed air to blow outlines is an effective way to empty any water that may be left. It’s also important to store away any hoses used outdoors so they’re not damaged during the cold weather. Be sure to close inside valves that supply outdoor hose bibs and keep the outside valve open so any water remaining in the pipe can expand without causing damage to the pipe. Keeping your house temperature set to at least 55 degrees is another key factor in keeping your indoor piping safe. Lastly, you should check for water supply lines that are in unheated areas (examples are listed above) so you can properly insulate these pipes by using specific products like a “pipe sleeve” or installing UL-listed heat tape, heat cable, or similar materials.

What to do if a pipe bursts:

It is extremely important to shut off the water at the main valve if a pipe bursts. Be sure to identify the pipe or pipes that have burst. Try your best to dry things out if you can and document everything that happened by taking photos of the damage/occurrence and writing down everything that has been damaged. Next, contact your insurance company to notify them of your claim. If you have standing water, you should also contact a plumber and property damage company to evaluate and remediate any water damage that may have occurred. If you would like recommendations, please contact ASZ International for assistance.

Is It Time to Review Your Home Insurance Policy?

Homeowner’s insurance is an important part of owning a home in Westchester, NY, as it offers a variety of protection when damage occurs to the structure. Home insurance also offers personal liability protection in the event someone in the home damages someone else’s property or injures another individual. Because this type of insurance is so important, it must be reviewed periodically to ensure your coverage is still adequate. Here are a few instances when your policy should be reevaluated, which is something we can help you with here at ASZ International Inc.

After a Remodel or Home Add-on

When you remodel your home or increase the property’s square footage, the home’s resale value will increase. Because of this, there is a good chance that you will be left under-insured by your existing homeowner’s insurance policy.

Once the construction work has been completed, you should request that the contractor provide you with an estimate of the cost that it would take to rebuild the home after the renovation. With this estimate, you should consider increasing your dwelling coverage.

Following a Pool Installation

Swimming pools have long been known to be an insurance risk. The reason for this is due to the fact that there is a chance for diving board injuries, slips and falls, and other pool-related injuries to occur. In addition, pools are considered attractive nuisances, meaning that local children could try to use the pool without your knowledge. In the event this happens, you could still be held responsible for an injury.

Therefore, if you have a pool installed on your property, you will need to have your personal liability coverage reevaluated. In addition, you should take preventive measures to ensure your pool is safe and secure, such as having a fence with a locking gate installed around the pool.

After Efficiency Upgrades

Believe it or not, there are some upgrades that can be performed on your home that actually help reduce your homeowner’s insurance premiums. Therefore, you will want to inform your insurance company of these (and any) upgrades immediately.

Some of the most common upgrades that can help lower your premiums include a new roof, fire protection system, security monitoring system, and possibly a new HVAC system. Every insurance company is different, so make sure you check with them before simply making an upgrade in the hopes of a reduced insurance premium.

It is always good practice to reach out to us at ASZ International Inc. when any kind of renovation or upgrade is made to your Westchester, NY home. Our agents can help reevaluate your policy to ensure you have the proper coverage. For more information, contact us today!

Is home insurance a good investment for me?

Owning a home in the Westchester, NY area can be a great long-term option. If you are in the market to purchase a home here, you should also spend time assessing your insurance needs. Getting a quality home insurance policy is a great option as it can protect you in many ways. There are several reasons why this insurance is a good investment. 

Gives Liability Coverage

One reason why home insurance can be a good investment is that it can protect you against liability risk. Anyone that owns a home is going to take on liability risk that could occur if a guest is injured while they are in your home. Fortunately, you can easily receive protection against this and other forms of liability risk by getting home insurance as it will give you some personal liability protection

Covers Your Assets

A home insurance policy is also a good idea because it can cover your assets. The home that you buy is likely the most valuable asset that you will ever own. When you do own a property, the insurance that you take out will protect it against fire, weather damage, and many other situations that could cause damage. These policies will also give you coverage for any of your personal belongings if they are damaged, destroyed, or stolen. 

Choosing a home insurance policy in the Westchester, NY area is a big decision and one that receiving guidance for would be beneficial. If you are looking for a new policy, you should call the team at ASZ International, Inc. When you do call ASZ International, Inc. you can learn a lot more about how getting proper insurance for your home can protect you and your property. The team can also help you build and choose a new policy. 

Does Home Insurance Cover Outbuildings?

When homeowners purchase home owner’s insurance policies, they must be well informed and read all of the fine print before choosing a provider. Homeowners who are considering adding an outbuilding, or already own one, should consult with an insurance agent to guarantee their property is covered.

Does Home Insurance Cover Out Buildings?

Some insurance policies will cover an outbuilding of a particular specification without having to add an additional policy or rider. However, not all home insurance policies are the same. Some companies won’t provide that type of coverage. Make sure that you are presented with options that will cover sheds, pool houses, and even guesthouses. This is crucial if you have one or are considering having one built. 

Covering Your Needs

Anyone who is searching for top quality coverage for their home and separate structures should speak with an agent at ASZ International Inc. serving the residents in and around the Fairfield, CT. Our experts can help sift through the options and then present you with policies that may fit your current insurance needs. We can also assist with any policy adjustments or claims that need to be filed in the future. We are committed to providing excellent customer service and making sure that policyholders are well informed before the purchase. This can help prevent gaps in coverage and potential losses. 

Homeowners who are looking for insurance coverage to protect their home and other structures on their property should call or stop by ASZ International Inc. and speak to an agent. We are ready to provide residents of Fairfield, CT with top quality, flexible insurance coverage to cover your home and structures on your property.


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