As the leaves start to fall and the air turns crisp, it’s the perfect time to make sure your home is ready for the colder months ahead. A little preparation now can prevent costly surprises later — and help your insurance policy work with you, not against you.
At Willow Wood, we believe that caring for your home is more than just protecting your investment — it’s about protecting your peace of mind. Here’s a simple checklist to help you transition smoothly into the season.
🏠 1. Clean Gutters and Downspouts
Fallen leaves can quickly clog gutters, leading to overflow and roof damage. Take an afternoon to clear them out or hire a local handyman. Make sure downspouts direct water at least 3–4 feet away from your foundation.
Insurance Tip: Water damage caused by poor maintenance usually isn’t covered. Cleaning your gutters is an easy way to prevent an uncovered claim.
🔥 2. Service Your Furnace or Boiler
Before you turn the heat on, schedule a professional inspection. Replace filters, clean vents, and check for leaks.
Bonus: Regular maintenance boosts efficiency and lowers your heating bills.
❄️ 3. Seal Windows and Doors
Use weatherstripping or caulk to keep warm air in and cold air out. It’s one of the cheapest ways to improve your energy efficiency — and it makes those cozy nights in even better.
🌳 4. Yard Cleanup
Heavy snow or wind can bring down branches and cause roof or property damage. Trim any dead branches that hang near your home, vehicles, or power lines.
Pro Tip: Fall is the perfect time to have trees inspected for weakness or disease.
💧 5. Shut Off and Drain Outdoor Faucets
Once temps drop, water left in hoses or pipes can freeze and burst. Disconnect hoses, drain faucets, and shut off interior valves leading outside.
Insurance Tip: Most policies don’t cover burst pipes from neglect. Five minutes now could save thousands later.
🧰 6. Test Smoke and CO Detectors
Replace batteries and test alarms. Fire risks increase in winter when heating systems and fireplaces are in full use. Look for the manufacture date on the smoke or CO detector. Most last between 7-10 years, so confirm it is less than 10 years old and responds effectively to the battery test.
Quick Battery Test: Hold down the “test” button until you hear a beep. If you don’t, replace the battery or the unit.
🪵 7. Inspect Fireplace and Chimney
If you plan to use your fireplace, have it professionally cleaned and inspected. Creosote buildup can lead to chimney fires.
Pro Tip: Store firewood at least 20 feet from your home to avoid pest problems.
📋 8. Review Your Homeowners Insurance Coverage
Have you added a deck, finished your basement, or upgraded appliances? Make sure your policy reflects your current replacement costs.
Our team at Willow Wood can review your coverage to ensure you’re fully protected this winter.
🍁 Prepare Now, Relax Later
A little fall maintenance goes a long way toward protecting your home, your comfort, and your wallet. Check off these simple tasks now, and enjoy the season knowing your home is safe and sound.
Need help reviewing your coverage before winter? Send us a message or complete our online quote request form — we’ll help you protect what matters most.