Pumpkin spice latte? Check! Sweaters and cold weather gear down from the attic? Check! There are lots of things that New Englanders enjoy doing to prepare for the fall season – they might even look forward to the change in weather. However, there are annual chores that homeowners must do to make sure that their home is ready for cold temperatures, seasonal storms, rain, hail, snow, and ice, but most of them aren’t a lot of fun. From cleaning the gutters to putting up storm windows, a lot goes into seasonal prep in Southeastern Massachusetts. Make sure that your Fall River homeowners insurance policy is up-to-date and that you know what to do in case of a covered incident. Take time to go through an annual checklist to make sure nothing gets overlooked. Your trusted insurance in Fall River at Paul Sullivan Insurance Agency can provide you with tips and information that you can use to maximize your MA home insurance policy. Home insurance in Massachusetts should be there to protect you, your family, and your future. Make sure to work with an agency that can provide comprehensive service and ongoing support.
Professional Checklist for Fall River Homeowners
The best place to start any project is at the top. How long has it been since you had your roof inspected for leaks? You don’t want to be knee-deep in buckets of water when you realize that you should have had it checked out before the rainy season hit. In addition to roof inspections, your HVAC system, insulation, windows, fireplace, and irrigation are all things that should be checked out by professionals. However, there are maintenance tasks, such as cleaning, filter replacement, and visual inspections, that you can do yourself. Make sure to maintain your home effectively to ensure that your home insurance in Massachusetts will cover you in an emergency. A neglected roof or poorly maintained property might be grounds for denied or reduced claims. If you have questions about your MA home insurance policy and obligations as a homeowner, contact your trusted insurance agent in Fall River.
Protect your Fall River homeowners insurance coverage by performing the following tasks each year:
- Inspect the HVAC system, shutting down air-conditioning, and perform preventive services to ensure your heater is ready to work when you need it.
- Inspect the fireplace and chimney; consider having it professionally cleaned if it has been a while, and look into other safe practices to provide better heat and reduce risk.
- Winterize your irrigation system to make sure your pipes and equipment do not freeze over the winter.
- Winterize your pool or spa to safeguard your equipment; seek professional services, as needed.
- Inspect your roof to ensure there aren’t any underlying issues, holes, moisture problems, or areas that need to be patched. Consider an annual contract with a reputable service provider for peace of mind.
- Clean all gutters and make sure that they are free from debris and in good working order. Test your gutter system to make sure that water drains away from the foundation of your home to reduce water damage.
- Check for drafts around your home around windows, doors, utility access points, and other ways that cold air could enter your home. Consider a professional infrared scan of your property to look for areas that need repair.
Seasonal Tasks for Fall River Homeowners
Once you have taken care of all the work that needs to be done by professional service providers, there are other things that you should do in the weeks leading up to the fall season. Most of these jobs can be performed by the homeowner and go a long way to protect your property and ensure quality home insurance in Massachusetts year-round. If you aren’t sure what is covered in your MA home insurance policy, set an appointment with your insurance agent in Fall River at Paul Sullivan Insurance. You should update your Fall River homeowners insurance policy at least once a year, including any significant purchases or remodeling work with your itemization. This will help you recover your losses in a covered event, such as a fire, storm, or another natural disaster.
Some of the additional checks homeowners should perform in Southeastern Massachusetts include:
- Check all smoke detectors and carbon monoxide detectors, changing out the batteries automatically every six months to ensure they work.
- If you don’t have energy-efficient all-season windows and storm doors on your home, make sure to change out your windows and put away screens for the rest of the year. Clean and store them properly so you can quickly put them on again next year.
- Cover or store outdoor furniture, grills, and equipment to ensure they are protected from the elements.
- Trim, prune, or remove any trees and branches that appear to be a risk to your home. Consider hiring a professional for branches that hang over garages, roofs, fences, and other property and limbs that hang over driveways and sidewalks to reduce liability or risk of damage.
- Clean up your yard during the fall and as close to the first snow as possible to reduce damage caused by dead leaves and debris on your lawn during the winter.
Get a FREE MA Home Insurance Policy Quote
Are you looking to update or change your existing Fall River homeowners insurance? Contact Paul Sullivan Insurance Agency by calling 508-678-9611. We can answer any questions you might have about home insurance in Massachusetts and provide you with a FREE quote for our personal or business insurance policy options. When you need an insurance agent in Fall River that you can trust, make sure to contact Paul Sullivan Insurance Agency in Southeastern Massachusetts.