Florida homeowners may not have to prepare for cold weather the same way our northern neighbors do—but fall is still a great time to perform some important home maintenance tasks. Keeping your home in good shape will save you money by preventing expensive home repairs later, and is more likely to help your home withstand Florida’s extreme weather.
Fall is the perfect time to address some of these tasks—since hurricane season is over and the temperatures and humidity have eased. Some of the following maintenance tasks you can do yourself. For others, look for a reputable professional company to do the inspections or repairs. And remember, homeowners insurance is for unexpected damage to your home, not routine maintenance.
As any homeowner knows, there are many necessary home maintenance tasks, but for now, we’ll concentrate on ones that relate to two of your home’s biggest enemies: fire and water.
Fire prevention
Did you know that during the approaching holiday season, the risk of a home fire rises? Be prepared by making sure your fire extinguisher is full and properly pressurized, and that you know how to use it. You should also test your smoke detectors and replace batteries as necessary.
Even in Florida, it’s nice to sit around a cozy fireplace. Before you light that first fire, ensure your fireplace flue and gas line are in good condition. You may need a professional to inspect your chimney, and to clean it and remove any blockages. A blocked chimney can send toxic gasses and smoke into your home, or even start a fire.
Gutters and downspouts
Gutters and downspouts serve an important purpose by channeling water away from your home’s foundation. Blocked or damaged gutters allow water to drip and pool around your home, possibly causing flooding or roof leaks, or damaging your foundation. Clear out leaves or other debris or blockages in your gutters, and repair any damage to gutters and downspouts. And check that water drains away from the house, not toward it.
Roof
Your roof is your home’s first line of defense against rain and wind. Though we had a relatively mild storm season, fall is a great time to check your roof for any damage. Look for popped nails, broken, or damaged shingles, and check flashing around skylights, pipes, and chimneys. Keeping your roof in good repair keeps water from entering your home, damaging the structure or causing mold growth. Tip: Try using a pair of binoculars to examine your roof—no ladder climbing necessary.
Windows and door seals
Another area to inspect and fix to keep moisture out: the seals around windows and doors. A well-sealed home also helps to keep cool or warm air in and rodents, and insects out. Re-caulk or re-weatherstrip any holes or gaps you find near windows, doors, or baseboards.
The role of homeowners insurance
Homeowners insurance is another important way to protect your home. The right policy will help you rebuild your home and replace your belongings should they be damaged or destroyed by a covered peril. That’s where L & M Insurance Group can help! We represent multiple homeowners insurance companies, and our agents will be happy to help you find the coverage that’s best for you. Please give us a call at 813-672-4100 (or click here to request a quote online). As a local, independently-owned insurance agency (based in the Brandon/Riverview area), we’re experts in the complicated Florida homeowners insurance market.
