As the leaves change color and the temperatures cool down, the likelihood of certain insurance claims increases. According to Property Casualty 360, car collision and accident, auto and home theft, house fire and water damage claims increase during the fall and winter seasons. Before you get caught up in the busyness of fall, check out these safety and property maintenance tips.
- When driving, be aware of changing road conditions and hazards that come with the changing season.
- Drive slowly and decrease speeds on wet, icy or leaf-covered roads.
- Avoid sun glare, which intensifies near sunrise/sunset and aligns with east/west roadways near the autumnal equinox.
- Keep a safe distance between the car in front of you when driving in the rain.
- As temperatures drop, look out for icy patches on bridges, overpasses and shaded areas.
- Most wildlife-related accidents tend to occur between October and December, so watch out for animals on the roadways.
- Parking lot-related claims also increase between October and December, so avoid tight spots, dark parking lots and cart return areas.
- Theft increases each year around the holidays. Take some preventative actions to reduce the chances of being a victim of auto or home theft.
- Don’t leave packages, briefcases or electronics visible in your car.
- Take photos of high value items when you purchase them and keep your receipts to prove ownership.
- Make sure doors are locked and windows are closed when you leave the vehicle.
- Keep lights on a timer and use motion detectors for the outdoor lights around your home.
- Use an app, like Ring, to remotely monitor your home.
- Store your valuables in a fireproof safe or a safety deposit box.
- Enjoy fall-scented candles, fireplaces, wood stoves and heaters with caution. Fireproof your home by:
- Annually inspecting and cleaning your chimney.
- Annually inspecting and cleaning your heating system.
- Replacing furnace filters in accordance with the manufacturer’s instructions.
- Keeping candles away from flammable items and unruly pets. Don’t leave them lit in unoccupied spaces.
- Checking electrical outlets for loose-fitting plugs. Be sure not to overload electrical outlets.
- Keeping a fire extinguisher handy.
- Testing your smoke alarms regularly.
- Colder temperatures increase the likelihood of frozen or burst pipes and roof damage. Prevent water damage by:
- Checking the condition of your pipes and cleaning out backup water valves.
- Insulating water pipes in areas exposed to freezing temperatures.
- Turning off the main water supply before going out of town for an extended period of time.
- Keeping your drains and gutters clean.
- Inspecting your roof at least twice a year.
All in all, be aware of the threats that arise with the fall and winter seasons and make home maintenance a part of your fall routine to identify potential problems before they arise. Plus, with the right insurance coverage in place, you’re on your way to a safe and happy fall!