5 Liabilities that Homeowners Face in the Fall

During the fall season, it is important that homeowners consider fall hazards and take steps to prevent occurrences that could lead to claims. Proper home maintenance is key before winter arrives. A little prevention goes a long way.

Clean up falling leaves
- Clear leaves from around your property.
- Keep leaves off of your driveway and walkway. When the leaves get wet from dew or rain, they can be quite slippery and a liability risk, which could give rise to an insurance claim or even a lawsuit.
Close up swimming pools
- Remember that you can be liable if someone is injured while using the pool — whether they have your permission or not. Your first step should be to review your homeowners’ policy with your insurance agent to confirm your coverage. Coverage is likely to differ if the pool is above ground or in-ground.
- Perform basic maintenance to keep the pool in good condition and minimize damage from wear and tear.
- Clean the filter before closing up your pool for the winter. Balance the pH level in the water to keep it sanitized throughout the winter months.
- Cover the pool. This provides protection against the elements and keeps the water at the proper level. It also keeps people out of the water during the fall and winter months when others are less likely to be around in case of an accident.
Prevent water damage
- Fall often means heavy rains that can cause water damage to property. Have your roof inspected for missing shingles and repair to avoid possible leaks.
- Clean out rain gutters and downspouts to help water move away from the structure. Check the natural drainage patterns around your home.
- Inspect and insulate doors and windows.
- Check on water pipes to make sure they’re not exposed to freezing temperatures. You may need to add insulation to the pipes themselves. Maintain the area at 55 degrees.
Prevent fires
- There are many ways that home fires start, but with a few simple steps, you can minimize the risk.
  - Inspect smoke detectors and change batteries. Inspect your fire extinguishers and be sure they’re accessible and fully charged.
  - Clean the clothes dryer lint trap, the exhaust vent and the space under and behind the dryer.
  - Have your heating system cleaned and inspected annually by a professional and change your furnace filter monthly. If you have fireplaces, have the professionals clean and inspect both the fireplace and chimney.
  - Clean out your garage as many house fires start in the garage. Store the gasoline you used for the lawn mower in the summer and will use for the snow blower in the winter in a proper safe container. Secure any other volatile compounds, such as paint, caulk or firewood as well.
Walk around your property
- Walk around your fence line to look for damaged or loose pickets, as well as posts and rails that may be failing. Have any weak areas repaired sooner rather than later as they can become damaged during a severe windstorm or become flying objects.
- Look at your driveway to see if it has settled and developed deep ruts. Some of those ruts may create a fall risk for family and visitors.