As we head into the colder season across Northeast Florida and Southeast Georgia, temperatures are taking a noticeable dip, including a forecasted low of 53 degrees on Thanksgiving. While our region isn’t known for harsh winters, sudden cold snaps can put unexpected pressure on home systems and appliances.
That’s why this week is the perfect time for homeowners to prepare for cooler weather, protect their equipment, and understand how winter conditions can impact the power grid.
Cold Weather Means Higher Risk of Power Surges
When temperatures fall, heating systems work harder, and the local power grid feels the strain. That stress, combined with seasonal weather hazards, can lead to power surges and unexpected outages. In our area, winter outages often stem from:
- High winds
- Ice weighing down trees and lines
- Extreme cold affecting electrical components
- Tree-root interference underground
- Increased electricity demand for heating
While these events are frustrating, the aftermath can be costly. Power surges are a leading cause of appliance failures, and many homeowners don’t realize that traditional property insurance policies may not cover the repair or replacement of damaged household systems.
Related: Creative tips from Security First Insurance to help you prepare for storm season | Weather Ready Tip of the Month: Be Ready for Any Emergency
Winter Prep Tips for Homeowners in Florida & Georgia
Whether you’re turning on the heat for the first time this season or preparing for holiday gatherings, consider these practical steps:
1. Test Your Heating System Early
Run your heat before the coldest nights arrive. Listen for unusual sounds and check that vents are clear.
2. Protect Electronics and Appliances
Use surge protectors where appropriate, especially for high-value appliances.
3. Inspect Outdoor Equipment
Ensure outdoor units, such as heat pumps, are free of debris and have proper airflow.
4. Prepare for Potential Outages
Keep flashlights, batteries, and warm blankets accessible. Charge devices ahead of cold nights.
5. Review Your Insurance Coverage
Know what’s included in your policy — especially coverage related to equipment damage. Winter weather is unpredictable, but your protection doesn’t have to be.
Plug Into Coverage: How Security First Insurance Helps Protect Your Home
Security First Insurance reminds homeowners that “sudden power surges are just one of many events that can damage your appliances.” Repair and replacement costs can add up quickly — and nationwide, Americans spend more than $15 billion every year on appliances alone.
Some Security First Insurance fast facts:
- 50% of appliance insurance claims are caused by power surges.
- 76.6% of refrigeration and A/C failures are tied to electrical issues.
- The average power surge claim costs $2,300.
That’s where Equipment Breakdown coverage comes in. Security First Insurance offers this important protection to help cover major household systems — from HVAC units to refrigerators, well pumps, water heaters, home electronics, and more.
Equipment Breakdown coverage is typically an additional endorsement that requires an extra premium. But with Security First Insurance’s Premier (HO5) policy, it’s included at no additional cost. Homeowners can call their insurance agent or contact Security First Insurance directly to review coverage or add this protection.
Click here to learn more or see what’s covered.
Keeping Your Home Running Smoothly All Winter
As colder air settles into our region, remember: cold weather = higher risk of power surges.
Security First Insurance is committed to helping homeowners stay protected from unexpected equipment failures that traditional policies may not cover.
To explore the Equipment Breakdown coverage included with their Premier (HO5) policy, or to review your existing protection, visit Security First Insurance online or contact your agent.
Check Security First Insurance’s Equipment Exposure Handout for more information. And stay tuned to News4JAX for continued updates, local forecasts, and seasonal safety tips.