As the warmth of summer begins to gently fade and the crisp promise of autumn hangs in the Ohio air, it’s the perfect time to shift your focus from summer fun to pre-fall home preparation. Taking a few proactive steps now can save you significant headaches and potential insurance claims down the road, especially as we head into a season known for changing weather.
At Bucher Insurance, we believe in helping our neighbors protect what matters most. Here’s a simple checklist to help you guard your home against common seasonal claims before fall truly sets in:
1. Inspect Your Roof for Summer Storm Damage
Summer storms, with their strong winds and heavy rains, can take a toll on your roof. Even seemingly minor damage can lead to major leaks once the fall rains begin.
- What to look for: Missing, cracked, or curled shingles; loose flashing around chimneys and vents; granules in your gutters (a sign of shingle wear).
- Action: If you’re comfortable and have the right safety equipment, do a visual inspection from the ground with binoculars, or safely from a ladder. If you suspect damage or are unsure, consider hiring a professional roofing inspector. Addressing small issues now can prevent costly interior water damage later.
2. Clean and Clear Your Gutters and Downspouts
This might seem like a fall task, but getting a head start in August is smart. Summer debris (leaves, twigs, even bird nests) can accumulate, and when fall rains arrive, clogged gutters can cause water to overflow. This can lead to:
- Foundation damage: Water pooling around your foundation can seep into your basement or crawl space.
- Siding damage: Overflowing water can run down and damage your home’s exterior.
- Ice dams: In colder months, clogged gutters contribute to ice dam formation, which can force water under your roof shingles.
- Action: Clear out any leaves, twigs, and other debris. Ensure downspouts are securely attached and directing water at least 5-10 feet away from your home’s foundation.
3. Test Your Sump Pump
If you have a basement or crawl space, your sump pump is your first line of defense against flooding. Heavy fall rains can quickly overwhelm an unprepared system.
- What to look for: Ensure the pump is plugged in, the discharge pipe is clear, and the float switch moves freely.
- Action: Pour a bucket of water into the sump pit to ensure the pump activates, drains the water, and shuts off properly. If it doesn’t, or if it sounds unusual, have it serviced by a professional. Consider a battery backup system for power outages.
4. Secure Outdoor Furniture and Decorations
While it might still feel like summer, strong winds can pick up unexpectedly in late August and early September.
- What to look for: Lightweight patio furniture, trampolines, grills, and decorative items that could become projectiles in high winds.
- Action: Secure or store anything that could blow away. If you have a trampoline, consider anchoring it. This prevents property damage to your own home or your neighbor’s, and potential liability claims.
5. Check for Cracks and Gaps Around Windows and Doors
As temperatures begin to fluctuate, ensuring your home is properly sealed becomes more important for energy efficiency and preventing water intrusion.
- What to look for: Visible cracks in caulk or weatherstripping around windows and doors.
- Action: Re-caulk or replace weatherstripping as needed. This not only keeps drafts out (saving on heating costs later) but also prevents water from seeping in during heavy rains, which could lead to mold or structural damage.
Review Your Homeowners Insurance Policy
While you’re in protection mode, August is an excellent time to review your homeowners insurance policy with Bucher Insurance. Understanding your coverage limits, deductibles, and what perils are covered (or excluded, like floods, which often require a separate policy) is crucial. We can help ensure your policy still meets your needs and provides the peace of mind you deserve as the seasons change.
