Is your home ready for winter?


As temperatures begin to drop and the leaves cover the ground, it’s a good time to be sure your home is prepared for the snow and cold that lie ahead. A few improvements around the house can save you money in the long run — and ensure that you and your family will be safe and warm inside all winter long.


Before harsh weather sets in, you may want to check in on a few key areas:

  1. Insulation
    Around air ducts, around your water heater, and in the attic. If insulation is damaged or insufficient, this is a good time to add to or replace it, so your house can stay warmer on the inside, and help ensure that vital systems don’t freeze when the coldest days of the year come around.
  2. Roof
    Check for loose or damaged shingles. If your roof is more than 15 years old, you may have some repairs to do — and by 20 years, you may need to replace it all to ensure it will hold up to heavy snow and cold. A roofing contractor can do an inspection to determine the extent of any damage.
  3. Windows and doors
    If you’ve noticed drafts or ice around windows and doors during previous winters, be sure to prevent it this year. Caulking may be required to close gaps, or you may want to upgrade to all-new, energy-efficient windows and doors, depending on the age and quality of those you currently have.
  4. Furnace
    Schedule routine maintenance and inspection to make sure your heating system is operating optimally. If it’s time for an upgrade, your HVAC contractor can help you decide on an energy-efficient system that can distribute heat more effectively while saving you money on your monthly utility bills this winter. You may also be able to take advantage of tax credits depending on the system you get.
  5. Concrete
    Check exterior walkways for areas that are cracked or otherwise damaged, or spots that are prone to becoming safety hazards when it’s icy. You may want to do repairs before colder weather hits. If you want to take on a larger project, heated walkways and driveways — or concrete that incorporates a non-slip surface — can be a big improvement for your family and guests.


Need help?

If you find you need to undertake a large expense to prepare your home for winter, Horizon Bank can help. A home equity line of credit may be the perfect way to address your needs, without high interest rates. This is a particularly good option for furnace upgrades, new roof installation, and other repairs or enhancements that help increase your home’s value in the long run.



Contact us today or stop by your local Horizon Bank branch to learn more about your options to pay for home improvements. So you can enjoy the upcoming holiday season, stress-free!