With fall already here, there is no better time to start preparing your property for the harsh weather that comes with it. Heavy rains, powerful winds, and dropping temperatures can wreak havoc on your house. Thankfully, you can take these steps to reduce the chances of having to file a home insurance claim. 

How to Prepare Your Home for Fall 

1. Insulate the Pipes 

As the temperature drops, the risk of freezing pipes increases. If any of the pipes in your home’s plumbing system are exposed to the elements—or located in a space that’s not climate-controlled, like the garage or basement—you should wrap them in pipe sleeve or electrical heat tape. Such insulation will provide a layer of protection in freezing temperatures. 

2. Clear the Gutters 

Gutters full of dirt, leaves, twigs, and other debris cannot divert water from your home effectively. Clear the gutters at the start of fall to prevent pooling on your roof or around the foundation of your home. If there are any deciduous trees on your property, you should also clear the gutters at the end of the season since they likely accumulated many dead leaves. 

3. Clean the Chimney

Once the temperature starts dropping, you’ll inevitably want to use the fireplace again. Before you do, however, make sure to clean the chimney from top to bottom thoroughly. In addition to accumulating soot and dust, the flue may have become home to critters with flammable nests while the fireplace sat dormant. Have a professional address this issue before lighting the first fire of the season.

4. Review Your Homeowner’s Insurance Coverage

Does your current home insurance policy cover the kinds of events that cold weather brings? Examples include house fires, roof damage, and burst pipes. Always follow up with your agent so you’re protected in all eventualities. 

By following these suggestions, you may be able to avoid damages that could result in a large home insurance claim. For more information on protecting your property, get in touch with the team at Farmers Mutual of Tennessee. Since 1913, they have provided quality insurance coverage at an affordable price to residents throughout the state of Tennessee. Their local independent agent will be happy to help you find the right coverage for your home, mobile home, rental dwelling, or farm at a price that suits your budget. Give Farmers Mutual of Tennessee a call today at (800) 824-9555 for a home insurance quote, and visit them online for more information.