For homeowners, fall can bring complicated conditions and seasonal responsibilities. Without conducting appropriate maintenance or planning for the colder months ahead, slight issues could become major problems with expensive consequences. Be mindful of several key homeowner responsibilities:

1. Clear gutters and downspouts. Leaves, twigs and other debris can clog your home’s drainage systems. Trapped water may freeze and inflict significant damage on your siding and foundation.
2. Make roof repairs. Fall and winter weather can pummel your home, and your roof may be particularly exposed. Check for signs of leaks, loose shingles and other issues, and make repairs as soon as possible.
3. Change furnace filters. As temperatures drop, you’ll likely start using your furnace more often. Replace filters and inspect the furnace itself to ensure that the system is ready for winter.
4. Inspect trees. Walk along the outside of your property and identify any potentially problematic trees or branches that might give way under the weight of snow and ice.
5. Protect plumbing. Insulate pipes in areas that may be exposed to colder temperatures, shut off exterior water valves and drain outdoor spigots.

Many issues that may come up during the colder months of the year may be considered maintenance issues by home insurers. For example, while a sudden burst pipe could be covered, your claim could be denied if your carrier determines that you failed to take appropriate steps to prevent the problem.

Contact our team today to learn more about how your home insurance may or may not apply to fall- and winter-related incidents.