There are definitely fans of the Fall season out there. Football, holidays, and cool weather are on some people’s list of favorite things. In our region, the turning leaves, crisp weather, and seasonal décor make for a pretty sight. But this season also brings some risks for you and your property, and it’s a good time to prepare against and avoid these potential issues.
Leaves as a Root Cause
The colors of Fall can be beautiful, but they call it Fall for a reason. The leaves that collect on roofs, gutters, yards, sidewalks, and roads can cause damage – both directly and indirectly. Clogged gutters can lead to water damage, sidewalks and roads can be slick with wet leaves, and uncleared leaves on the ground can damage grass and landscaping. Be sure to clear your gutters, rake your yard, and be careful on those leaf-covered passages.
Health of Trees and Shrubs
Dead trees and hanging branches pose a significant risk during fall storms. They can fall on your property, damaging your home, vehicles, or other structures. Inspect trees and shrubs around your property for signs of disease or decay. Remove any dead or overhanging branches that could fall during a storm. If necessary, hire an arborist to assess the health of your trees and recommend appropriate actions.
Seals and Insulation
With temperatures dropping, poorly sealed windows and doors can result in heat loss. This not only increases your energy bills but also makes your home less comfortable, and could even lead to water intrusion during storms. Check the seals around your windows and doors and replace any worn-out weather stripping. Consider adding insulation to your attic and walls to keep your home warm and energy-efficient during the colder months.
Fire and Smoke-related Concerns
A cozy fire and the warmth from a flame can sound very nice when the evenings cool down. But fireplaces, candles, and wood stoves can lead to issues. Almost a third of smoke and fire claims occur during the Fall and Winter months, and Ready.gov statistics show that over $7 billion per year of property is lost in house fires. Please make sure fireplaces and chimneys are clean and clear, candles are kept in occupied areas, and wood stoves are monitored.
Have other questions about your seasonal risks? Reach out to our team and they’ll be happy to discuss it and provide you with info on the coverages you need.