Your home is your greatest asset and the place you should feel most safe and secure. Unfortunately, it’s vulnerable to a variety of risks that have the potential to cause significant loss. While an unexpected disaster can take place any time of the year, certain dangers increase during the fall season. This is why there’s no better time to review your home insurance policy or shop for new coverage to ensure you’re adequately protected. The professional insurance agents at Jenkins & Bevan Insurance are committed to helping the residents of Lorain County, OH, find the best coverage for their unique needs.

Below, they discuss some of the top reasons homeowners file claims in the fall, showing why it’s so important to have the right insurance:

• Roof Damage: As the trees around your home begin to lose their leaves and branches during the fall months, one of the first places they land is on your roof. This may not seem like anything to be concerned about, but falling leaves can clog gutters and pile up on shingles, harboring dampness underneath. In addition, larger branches can poke holes in your roof’s structure. All of this can lead to substantial roof damage. 
• Fires: With cooler temperatures arriving in fall, homeowners begin to build fires in the fireplace, run their heating systems, light candles more frequently, and increase their use of the stove for cooking. Although all of these are normal household behaviors, they boost the odds of inadvertently starting a fire. Fires can cause significant devastation in just a short period, so it’s vital to make sure your home insurance limits are up-to-date for the value of your property and personal belongings.
• Storm Damage: Fall is the start of rainy season, and in many parts of the country, it often brings in extreme storms. The hazards associated with high winds, hail, and flooding can leave a home in turmoil. The best protection you can have is insurance coverage that includes these catastrophic events and will pay to fully repair or rebuild your home if necessary.

It’s crucial to be aware of all the dangers that threaten your home with the arrival of fall. The best thing you can do to minimize your risk of loss is to go over your home insurance policy and make adjustments where necessary. Contact Jenkins & Bevan Insurance in Lorain at (440) 984-6771, or visit them online for a full list of products they provide.