The Old Farmer's Almanac indicates that America is instore for one of the worst winters ever, with temperatures belowaverage and abnormally high levels of snowfall.

But no matter how mild or extreme the winter weather may be,homeowners should take the time to adequately prepare their homesfor the season to avoid any preventable weather-related claims.

Grange Insurance compiled a list of six practical suggestionsfor homeowners to “winterize” their homes and avoid having to fileunnecessary claims. Click through the following slides for tips onhow to protect homes from weather-related damage in the coldermonths.

Avoid Ice Dams

Ice dams can be dangerous, forming at the lower edge of slopedroofs when heat from the home causes the snow to melt and refreeze.The dams can prevent water from draining off the roof, andtherefore water is forced inside the home, which can lead tosignificant damage.

“Ensure the attic is properly ventilated and nicely insulated tominimize the amount of heat rising through the attic,” says PaulHurd, assistant vice president, National Property Product at GrangeInsurance.

“Homeowners should also seal air leaks in the ceiling so thatwarm air doesn't leak into the attic. In this case, cooler isbetter. Doing so will not only prevent ice dams from forming, itwill limit cold air drafts and reduce energy bills.”

Prevent bursting pipes

When water freezes in the pipes of a home, potential to burst isextremely high.

Grange Insurance recommends insulating exposed pipes withsleeves, and making sure that cracks and holes are sealed. Allowingwater to run through faucets that are connected to pipes inunheated areas can also help prevent pipes from bursting.

But for those who travel to warmer climates during the winter,it may be more beneficial to drain the water lines in the home andeasily avoid any catastrophe.

Keep sidewalks and driveways clear of ice andsnow

A homeowner can be liable if someone slops and falls on hissidewalks or driveways. Homeowner's policies usually have liabilitycoverage, but it is important to take precautions and make surethat sidewalks and driveways are clear to prevent injury.

“Try to shovel several times, even while it's stillstorming, so that snow doesn't get a chance to build up and bond tosurfaces. Plus, it's much easier to shovel two inches of snow thanfive. Get down to the pavement beneath so that sunlight can warm itup and prevent ice from forming,” says Hurd. “In addition, usesandbox sand to add traction to slippery surfaces and preventfalls.”

Properly shutdown a vacant home

Those who have vacation homes in tropical climates may leavetheir winter home behind to catch some rays and avoid the wintryweather. For homeowners who leave for an extended period of timeeach winter, it is best to prepare the home before vacating.

Having someone, such as a trusted neighbor or relative, check onthe home periodically is critical, as it can help account forunforeseen damages, as well as discourage burglars.

Turning off the heat, shutting off the water, cleaning out thegutters and arranging for snow removal services are just some ofthe ways that homeowners should prepare their homes beforedeparting for an extended period of time.

Inspecting heating systems and alternative heatingsources

Homeowners should take the time to inspect chimneys, heatingsystems or other supplemental heating devices before winterarrives. Fireplaces, small space heaters and wood stoves requireproper maintenance to ensure safe operation.

“It is imperative to never leave wood stoves, space heaters orfireplaces unattended to prevent house fires,” said Hurd.

However, should a fire occur, families need to have a plan. Callthe fire department immediately and establish a safe meeting placefor family members. After all family members are accounted for andsafe, homeowners should contact their insurance agent immediatelyto file a claim.

Consider policy add-ons for further protection againstharsh winter weather

The weather can be unpredictable, so homeowners should consideradditional policy options to make premiums more affordable. Forinstance, homeowners should consider add-ons for valuables damagedby water in the event that a sewer, drainage or sump-pump backsup.

Although the coverage is an additional cost up-front, it canprovide families with peace of mind when winter stormsapproach.