Fall Home Maintenance Checklist: How To Avoid Claims and Save Money

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Completing a fall home maintenance checklist annually helps protect your property and keeps your home warm in the cooler months. A well-maintained fireplace discourages accidental fires and functioning security devices can deter vandalism and burglaries. Completing this checklist can also prevent insurance claim denials due to poor upkeep or neglect, which are not covered by homeowners insurance.

From cleaning your gutters to inspecting your fireplace, this fall checklist can keep your home well-maintained and prepared for the fall and winter weather.

1. Clean or Replace Gutters

The National Park Service recommends monthly inspections of your gutters and cleanings every spring and fall. Dirty gutters can cause clogs, causing water to overflow into the surrounding terrain. If those overflows occur next to your home’s structure, the moisture can seep into your home’s foundation or basements and cause damage.

If you’re climbing onto your roof to clean the gutters instead of hiring a professional, wear non-slip shoes and practice ladder safety. Also, bring gloves to protect your hands from sharp debris and harmful bacteria.

2. Replace or Repair Your Roof

You should inspect your roof’s integrity every one to two years, especially if it’s 10 years or older. A roof in poor condition can encourage fungal growth, may collapse under the weight of ice or snow and will not properly insulate your home from the weather.

Several tell-tale signs signal it’s time for a roof repair or replacement, including:

  • Missing shingles
  • Broken, curling or warped shingles
  • Mold
  • Hail damage
  • Discoloration or dark spots on your indoor walls or ceiling

Hiring a professional will get you the most accurate assessment of your roof’s condition. Alternatively, you can inspect your roof yourself by safely climbing a ladder or using binoculars to spot exterior damages.

Replacing your roof in the fall helps prepare your home for the frosty winter. Buying an energy-efficient roof can even lower your energy costs — those savings can add up when you’re running the heater in colder weather.

The National Park Service recommends monthly inspections of your gutters and cleanings every spring and fall.

3. Check Your House for Drafts

Drafts blowing through your home, even with all the windows and doors closed, suggest your home has some air leakages. A qualified technician can use a blower door test to depressurize your home and identify the leak locations. You can also find leaks yourself by inspecting your doors and windows for cracks and gaps. Generally, any windows or doors that rattle or if you can see daylight around a door or window frame is a potential leak source.

You can plug air leaks by sealing gaps with caulk or weather stripping or installing energy-efficient window and door replacements. Closing air leaks can boost energy efficiency and cut costs.

4. Inspect Your Fireplace

Strive to clean your fireplace at least once every year. Ideally, you will want to remove the ash in your fireplace at the end of winter. If you delayed this task for over a year, you’ll want to handle that now, especially if there is a one-eighth inch of soot buildup.

The Chimney Safety Institute of America (CSIA) recommends scheduling an annual inspection of your fireplace. A professional will inspect your fireplace for structural integrity, signs of damage or wear and tear and soot buildup that could affect performance. The CSIA encourages you calling a professional if you notice any of the following signs:

  • Rust in your firebox or the sides of your chimney
  • Discoloration on your chimney
  • Vegetation growth on your chimney
  • Brick deterioration on the exterior
  • Missing chimney cap
  • Pooling water inside the fireplace
  • Water stains around your chimney
  • Cracks in the chimney crown
  • Odors
  • Popping or cracking sounds when using your chimney

Keep all flammable materials at least three feet away from your fireplace. A fire screen should contain the embers, but this extra precaution prevent fires and subsequent insurance claims.

5. Drain Garden Hoses and Outdoor Faucets

Outdoor faucets, like those connected to a garden hose, should always be drained and shut off before the winter season arrives. Water expands when it freezes and water freezing inside your pipes can warp the shape and compromise its integrity.

Start by identifying the shut-off valve that controls the water flow to all your outdoor faucets. There may be multiple valves. After turning off your water supply valve, turn on the outdoor faucet to flush out the remaining water. For extra protection, you can buy and apply an insulation cover to protect the faucet from freezing temperatures.

Remember to disconnect your hose, drain it of water and then properly store it for the winter. Similarly, water can freeze and expand inside your hose, causing tears.

6. Change Your Filters

After using your HVAC unit to cool your house in the hot summer, changing your filter can prime it for warming your home throughout the fall and winter. Changing your filter regularly is also essential for potential HVAC-related insurance claims since homeowners insurance won’t cover damages from lack of maintenance and neglect — that includes damages that happen from not changing the air filter regularly.

ARS Rescue Rooter, a company that offers HVAC services, recommends visually inspecting your filter monthly, especially if you have a pet that sheds a lot. You can do this by taking the used air filter and holding it up to the light. A clogged filter that needs replacing will block light from peering through the filter.

Consider purchasing air filters in bulk, so you can easily change clogged air filters as needed.

7. Check Your Safety Devices

Your home’s safety devices are essential to protecting your home in the presence of fire, smoke and carbon monoxide. Schedule some time to test these detectors and alarms. You may discover that your smoke detectors and carbon monoxide detectors need a new battery or a replacement altogether. Don’t forget to replace expired fire extinguishers, especially if you use your fireplace.

Don’t forget about your security devices, either. If you have security cameras, double-check that they’re operating and the live feed is syncing properly. Consider installing an outdoor camera if you do not already have one, especially in the days leading up to Halloween. Vandalism-related insurance claims tend to spike during this spooky holiday. If your property does suffer damages or a burglary, you can submit the footage to the police and your insurance company to prove your claim.

TIP: Installing smart home security devices or signing up for professional monitoring services may qualify you for a discount on your home insurance premium. Ask your insurance agent for more information.

8. Store Your Lawn Mower and Other Equipment

Store your lawnmower, garden hoses and other outdoor equipment in a garage shed or some other enclosed space. Your outdoor equipment will likely see less use when the outdoor temperatures drop and you spend more time indoors. Equipment left outside becomes vulnerable to the elements and theft. Depending on the material, patio furniture may need to be stored, as well.

If you don’t have a garage or some other enclosed space to store your lawn equipment, consider purchasing a specialized cover. For example, a lawn mower cover can be a cost-effective solution for protecting your lawn mower from moisture and rust.

9. Care for Trees and Shrubs

Trees and shrubbery add welcome shade and aesthetics to your yard but untrimmed or dead branches can pose dangers to your home and other people. A strong gust can break off a heavy, dead branch and damage your roof. If it falls on a person, you may be held liable for their injuries because you did not maintain your tree. Stray branches can also fall on your roof and clog your gutters.

Reminder: Homeowners insurance will not cover damages related to poor maintenance. Your insurer will not cover losses caused by a poorly maintained tree.

Proper tree care via trimming your trees and shrubs encourages safety and can even improve the harvest quality for fruit trees.

Inspect your roof’s integrity every one to two years, especially if it’s 10 years or older.

10. Trim and Maintain Your Lawn

A well-maintained lawn can boost your curb appeal and encourage healthier plant growth. Start by raking your leaves because these dead leaves can pose a fire risk in drier areas, even in the fall.

As an alternative, the Chesapeake Bay Foundation suggests using your lawn mower to chop the leaves and use it as mulch to protect your grass’s root systems and preserve the soil’s moisture.

Other ways to maintain your lawn include:

  • Weeding
  • Aerating
  • Reseeding dead or thin patches
  • Patching turf with sod
  • Draining your irrigation system
  • Applying fertilizer

11. Mind Your Outdoor Extension Cords

If you’re planning to display Halloween decor outside, be sure to use an electrical outlet intended for outdoor use. An outdoor outlet’s water-resistant properties make it more durable against outdoor elements and is safer to handle.

If you find cracks, broken sockets or frayed wires on your electrical extension cords, discard and replace them. Be careful about plugging too many outlets, too. Overloaded or worn-out extension cords can lead to electrical fires, which can trigger an insurance claim to recoup your losses.

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Why is fall home maintenance important?

Fall home maintenance is important because it can protect your home from various types of insurance claims, like fire or vandalism, or save you from claim denials related to neglect or poor maintenance.

How often should you clean your gutters?

The National Park Service recommends inspecting your gutters monthly and cleaning them at least twice a year in the spring and fall. You should also do a quick inspection for clogged gutters after it rains.

Do you need to inspect your fireplace every fall and winter?

Inspecting your chimney every fall ensures your fireplace is safe and efficient, especially when it’s seeing increased use when winter weather hits. The Chimney Safety Institute of America recommends removing all the ash in your fireplace at the end of the heating season.

Key Takeaways

  • Homeowners should complete a fall maintenance checklist to keep their homes safe from fire, vandalism and high energy bills in the fall and winter months.
  • Standard homeowners insurance will not cover damages related to poor maintenance, wear and tear or neglect.
  • Fall maintenance checklists can vary so customize your checklist based on your home’s needs and features.

Enter the fall and winter with a cheaper homeowners insurance policy. SmartFinancial makes it easy for homeowners to shop around and find an affordable policy that matches their coverage needs. Just enter your zip code below or call 855.214.2291 to receive your free homeowners insurance quotes.


  1. Quality Roofing. “Can the Age of My Roof Affect My Homeowner’s Insurance Coverage?” Accessed Oct. 18, 2022.
  2. Department of Energy. “Detecting Air Leaks.” Accessed Oct. 18, 2022.
  3. Chimney Safety Institute of America. "The Ultimate Guide to Using Your Fireplace Properly & Efficiently.” Accessed Oct. 18, 2022.
  4. ARS Rescue Rooter. "When Is The Right Time To Change My HVAC Filter?" Accessed Oct. 18, 2022.
  5. Chesapeake Bay Foundation. “Raking Leaves? Drop the Rake and Stop What You’re Doing.” Accessed Oct. 18, 2022.

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