In Michigan, the first hard freeze can come in October and it doesn't ask permission. A little preparation in September or early October — a few hours spread over a couple of weekends — prevents the most common and most expensive cold-weather damage homeowners deal with. Here are the eight things worth doing.

1

Drain and shut off exterior faucets and irrigation

This is the most critical item on the list. Any water left in outdoor lines when temperatures drop below freezing will expand, crack the pipe, and create a leak that either goes unnoticed all winter or floods something when you turn the water back on in spring.

  • Shut off the interior valve supplying each outdoor faucet, then open the exterior faucet to drain remaining water
  • Disconnect garden hoses completely — a hose left attached can trap water and damage the faucet
  • Have your irrigation system blown out with compressed air before the first freeze, or use the drain valves if the system has them
2

Insulate vulnerable pipes

Pipes in unheated spaces — exterior walls, uninsulated crawl spaces, garages — are at risk. Foam pipe insulation is inexpensive and installs in minutes. Focus on any pipe that runs through an unheated area or along an exterior wall. If you've had a pipe freeze before, do that one first.

3

Clean gutters after leaves fall

Wait until the trees are done dropping. Clogged gutters during winter storms don't just overflow — they contribute to ice dam formation. Ice dams form when heat escaping through the roof melts snow that then refreezes at the cold eave. The resulting backup can lift shingles and push water into the attic. Clean gutters alone won't stop ice dams, but they're part of the solution.

4

Check attic insulation and ventilation

This is the most skipped item on the list — and the one most directly connected to ice dams. A properly insulated and ventilated attic stays cold, which means snow on the roof stays frozen evenly rather than melting over the heated living space and refreezing at the eaves. If your attic has less than R-38 insulation or blocked soffit vents, this is worth addressing before winter.

5

Seal drafts at doors, windows, and penetrations

Hold your hand around window and door frames on a cold day — if you feel cold air moving, you're losing heat and money. Weatherstripping and door sweeps are inexpensive fixes. Caulk any gaps where pipes, wires, or ducts penetrate exterior walls — these are often hidden heating bill problems.

6

Service your furnace

October is exactly the wrong time to discover your furnace isn't working — HVAC contractors are at their busiest. Replace the filter, and if the furnace hasn't been serviced in the last two years, schedule a tune-up before heating season. A furnace that starts the winter with clean burners and fresh filters runs more efficiently and is less likely to fail when outdoor temperatures are in single digits.

7

Check the roof for vulnerable areas

Before snow arrives, walk the perimeter and look for any flashing that's pulled away, missing caulk around penetrations, or shingles that didn't survive summer storms. A small gap now becomes a leak under ice and snow loads. You don't need to get on the roof — binoculars from the yard are enough to spot obvious problems.

8

Know where your main water shutoff is

This one isn't prevention — it's damage control. If a pipe does freeze and burst, the difference between a manageable leak and a flooded basement is how fast you can get to the shutoff. Locate it now, make sure it turns easily, and make sure everyone in the house knows where it is.

The most expensive winter repair I see is frozen pipes that went unnoticed for days. Two minutes of pipe insulation in October costs $12. The average claim from burst pipes runs $11,000.

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A note from David: October is the ideal month for this list. September is even better. November is when everyone calls and contractors are booked out. If you're reading this in October or earlier, you're in good shape. If it's late November — start with the shutoff valve location and the pipe insulation. Those two things prevent the worst outcomes.