As the leaves change and the air cools, it’s a good time to prepare your home for fall. A little maintenance now can help prevent damage, reduce claims, and even lower your insurance premiums.

Start With the Basics: Fall Maintenance Checklist

1. Check the Roof and Gutters

Falling leaves may be beautiful, but they can clog gutters and lead to leaks. Clear out your gutters and inspect your roof for missing shingles or weak spots.

2. Trim Trees and Branches

Heavy fall winds and early snow can cause overhanging branches to break. Trim them back to reduce the risk of property damage or injury.

3. Seal Windows and Doors

Keep warm air in and pests out by checking the seals around windows and doors. Caulking or weather stripping can save you energy and help prevent water damage.

Check Your Smoke & Carbon Monoxide Detectors

Fall is the perfect time to test alarms and replace batteries. With more indoor heating and candles being used, it’s important to make sure your devices are working properly.

Fireplace Safety 101

If you plan to cozy up with your fireplace, book a chimney inspection. Built-up soot and creosote can cause dangerous fires.

Protect Against Water Damage

With fall rain and potential early snowmelt, sump pumps and backflow valves are your best friends. Make sure your basement is protected.

Seasonal Insurance Tips

• Let your broker know about upgrades: Whether you added a new furnace or upgraded plumbing, these changes could affect your policy.
• Check your policy for flood and water protection: These are often optional and worth considering, especially in older homes.

Final Thoughts

Fall prep isn’t just about comfort; it’s about protecting your investment. Taking care of your home now helps you avoid bigger problems down the road.

Need help checking your fall insurance coverage? Call ICD Insurance at 905-830-9000 or contact us on our website.

Disclaimer: At ICD Insurance, we aim to provide accurate, up-to-date information. However, insurance needs vary, and coverage depends on specific policies, locations, and providers. This content is for general information only and may not fully apply to your situation. Please contact your ICD Insurance broker to discuss your specific needs and coverage.