The following tips could help you prevent a loss (and a deductible).  The tips change seasonally to coincide with the most appropriate timing to prevent the loss.

•  Supplemental heating is a major source of
   losses.  Depending on the type, check your unit
   for proper installation, clearances, chimney or
   exhaust cleaning, and proper storage of the unit's
   fuel. Store ashes in closed non-combustible
   containers.  Ensure there are working fire
   extinguishers nearby.

•  Tires are key to winter driving. Check tread depth.
   Also, softer compound rubber makes a big
   difference on winter specific tires.

• Bridges and overpasses freeze first and are
   usually the first accidents in a storm.  Also, snow
   has different traction characteristics at different
   temperatures.  Generally, the warmer the air
   temperature the more slippery the snow surface is.