Happy Fall But Beware of these seasonal liabilities that homeowners face

Every season comes with an exceptional climate pattern, but most fascinatingly, some have effects that touch people’s property and, in most cases, the effects turn out negative for individuals who do not take precaution and prepare for seasonal liabilities. Fall presents its own liability risks; however, prevention of this risks goes a long way in minimizing damages and insurance claims that may follow. Let us take a glance at some of the risk’s homeowners face.

Check for Damages all Round your Property

Take a stroll along the edges of your fence checking for loose pickets, falling posts, and rails among others. Ensure all these are repaired as soon as possible to avoid severe damage when the weather pattern gets intense. During your stroll, ensure to check the driveway in any case there are deep ruts. These ruts are a major cause of falling for anyone walking along the driveway.

Keep your Property Clear of Falling Leaves

When you notice the beautiful flowers and leaves on your driveway or walkway, take time to clean them from the ground, this is because of their slippery nature when they get wet from rain or dew. This can be a liability risk especially when the package delivery guy, visitor, or mailman falls and gets injured, resulting in a liability claim against your insurance policy. Alternatively, you can get an arborist to check for rotting trees that could fall and crush your home.

Avert Water Damage

During the fall season, meaning lots of rain, it is important to have your roof checked for holes and missing shingles and have them repaired just in time to prevent any water leakages. Have your gutters cleared off any leaves or dirt to ensure smooth flow of water away from your roof, ensure the drainage system around your home is perfectly working, and lastly have your doors and windows properly insulated to avoid being blown open by the heavy wind.

Cover up Swimming Pools

In case you have a pool, closing it up may save you money against liability risks such as having someone injured while using it weather, they have permission or not. Performing basic pool maintenance like cleaning the pool area, filters, and surfaces, before totally closing it will not only keep it safe but also keep people out of water during times when others are not around in cases of emergencies or accidents.

Avoid Fires

Fires have a tendency of starting unexpectedly, especially at home. There are several ways however to minimize such risks;

  • Inspecting smoke detectors to ensure they function efficiently
  • Check accessibility of fire extinguishers
  • Annually inspect your heating system and chimney
  • Clean oily garage surfaces and secure volatile compounds

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