Fall home maintenance can help protect homes from winter damage and costly claims. Home insurance typically covers sudden and accidental damage, but not deterioration that occurs over time. This means that leaks caused by worn roofs or blocked gutters may be denied.

Inspecting the roof, clearing gutters, and insulating pipes before the first freeze can help prevent damage. Keeping records of this maintenance can also provide useful documentation if a claim is filed. Roy Nissan-Cohen, a home company lead, notes that common winter claims are often not the dramatic ones people expect. Further information on preparing homes for winter and understanding insurance coverage is available.