As the vibrant colors of summer start to fade and the crisp breeze of autumn sets in, it's a clear sign that fall is on its way. While you're busy swapping out your summer wardrobe for cozy sweaters and sipping on pumpkin spice lattes, don't forget that your home requires some attention too. As the seasons change, it's important to ensure that your insurance coverage is aligned with the potential risks that come with fall. To help you get started, here are 5 tasks to prepare your home for the upcoming season.
Before the leaves start to fall, take some time to review your home insurance policy. Make sure you understand what is covered and what is not. Check for any changes in coverage, deductible amounts, and policy limits that may have occurred since your last review. This is also a good opportunity to update your insurer about any changes in your home's value or any renovations you've undertaken.
Fall can bring a range of weather-related risks, from heavy rains to windstorms. Take a walk around your property and identify potential hazards. Trim any overhanging branches that could damage your home during a storm, clean out gutters to prevent water buildup, and ensure that your roof is in good condition. If you live in an area prone to flooding, consider purchasing flood insurance, as standard home insurance policies typically don't cover flood damage.
Your A/C unit served you well all summer, but as it goes into hibernation for fall and winter, give it the protection it needs. An A/C cover provides the perfect shield against snow, hail, wind, rain, and ice. It also keeps critters from taking up residence for the winter in your unit.
Get out your flashlight and check the chimney for any blockages that may have accumulated during the warmer months. Clear away any leaves, ash debris, or even animal nests you encounter.
As you consider ways to keep your house warm, remember that precious heat can escape from your doors and windows if they aren’t properly sealed. Check for cracks of daylight that need caulk or weatherstripping.
Remember, a little preparation now can go a long way in providing you with peace of mind throughout the season.
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