Five Things California Homeowners Can Do This Fall to Prevent Losses or Claims

As the crisp air of fall settles in across California, homeowners have a perfect opportunity to prepare their homes for the cooler months ahead. Fall isn’t just about pumpkin spice and autumn leaves, it’s also a key season for home maintenance. By taking a few proactive steps, you can reduce the risk of costly claims and protect your property throughout the entire season.

Clear Gutters and Downspouts

When leaves and debris clog gutters, water can back up and cause roof leaks, foundation damage, or even flooding around your home. Take time this fall to clean your gutters and downspouts. If trees surround your property, consider installing gutter guards for extra protection.

Inspect Your Roof for Damage

California weather can bring heavy rains, especially during the winter months. A small leak in the fall can become a central claim by January. Inspect your roof for missing shingles, cracks, or damaged flashing. Repairing these issues now will help prevent future water damage.

Trim Trees and Remove Dead Branches

Strong winds and storms can turn weak or overhanging branches into serious hazards. Trimming back trees not only protects your roof and windows but also keeps your yard and neighborhood safer. Removing dead branches before storm season hits can help prevent expensive liability claims.

Check Heating Systems and Fireplaces

As temperatures cool, many California homeowners turn on their heaters or fireplaces for the first time in months. Schedule a professional inspection of your HVAC system or chimney to make sure everything is safe and efficient. This helps prevent fire hazards, reduces energy costs, and ensures your family stays comfortable.

Test Smoke and Carbon Monoxide Detectors

Fall is a great reminder to check the batteries in your smoke and CO detectors. Fires and carbon monoxide leaks are among the most dangerous risks for homeowners, but regular testing can save lives and prevent devastating losses.

Taking these small steps this fall can help you avoid costly damage, reduce risks, and keep your home in great shape. At Valley Oaks Insurance Agency, we’re here to help California homeowners protect what matters most. If you’d like to review your current coverage or ensure you’re prepared for the unexpected, please contact us today.

Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.

Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this article is provided and written on an opinion basis, and for informational purposes, it solely represents the opinions of Valley Oaks Insurance.