As the fall season begins, it is important to consider the common property damage homeowners experience during this season. This way, you can take some risk management steps to ensure that you do not end up having to part with a lot of money to cover damages. Be sure to check with an insurance company like Cole Harrison Insurance regarding your coverage.
Water Damage
Fall usually brings with it a lot of heavy rains. This can cause a lot of damage to your home if you do not prepare for it. After you receive heavy rains, it is important to have your house checked for missing shingles and roof damage. This will prevent the risk of leaks. You must also get someone to clean out rain gutters and downspouts. This will help the water to move away and not collect around your home. Before the rains start, it is advisable to check the natural drainage patterns and see if there is anything that needs to be improved. With heavy rains, there is always the risk of flooding around your home. Consider adding some downspout extensions that will move water away from the foundation of your house.
Hail Damage
Though spring has the highest risk of hailstorms, fall also has its own fair share of secondary, smaller hailstorms. This fall hail season is brief, but it can cause significant damage to your home. Hail and wind pose a real risk to your home, and they can cause a lot of damage. In fact, approximately one in 40 homeowners file a property damage claim linked to hail or wind each year. Hail and wind can damage your roof and dislodge shingles. Wind-driven hail can also shred and split your home’s siding.
Fire Damage
Fire damage is also common during the fall. There are many ways that you can end up with your property being damaged by fires. Dead, dry leaves that have fallen can act like kindling in the right environments and also help spread a fire that has already started. It is important to inspect your smoke detectors during fall and change batteries if need be. You must also check out your fire extinguishers and ensure that they are easy to access and are fully charged.
These are some of the common ways your house can be damaged during the fall. You must always consult with your insurance company as this season approaches to ensure that you are fully covered. Talking with your insurance company ahead of time will save you a lot of money and trouble in case something happens to your home. Reach out to Cole Harrison Insurance right away to get started.
