Don’t let fall storms drain your wallet.
When the leaves start falling, so does rain — and sometimes, a lot of it. Clogged gutters, poor drainage, and unsealed basements are some of the biggest culprits behind costly water damage claims in the fall. A little preparation now can save you from big headaches (and bills) later.
Here’s how to keep your home dry, safe, and covered:
Gutter Maintenance
- Clean out leaves and debris: Clogged gutters cause water to overflow and seep into walls or foundations.
- Check downspouts: Make sure they extend at least 3–6 feet away from your home to direct water properly.
- Inspect for leaks: Seal any gaps in seams or joints to prevent drips.
- Insurance angle: Standard homeowners policies usually cover sudden water damage (like a burst pipe) — but not seepage from neglected gutters. Prevention keeps you safe and claim-free.
Basement Protection
- Seal cracks in walls & floors: Even tiny cracks can let water seep in during heavy rains.
- Install a sump pump: A must-have for flood-prone basements — check that it’s working before storms roll in.
- Elevate belongings: Keep storage bins, furniture, and appliances off the floor.
- Consider a dehumidifier: Helps control moisture levels and prevent mold.
- Insurance angle: Flood damage from rising water isn’t covered by standard homeowners insurance — you need a separate flood policy. Basement seepage also isn’t usually covered, so maintenance is critical.
Extra Storm Prep
- Direct landscaping: Slopes should guide water away from the foundation.
- Check window wells: Covers help stop rain and debris from pooling inside.
- Keep gutters clear all season: Fall storms can clog them quickly, especially after windy nights.
Dry Recap
- Your basement and gutters are your home’s first line of defense against fall rainstorms. A quick weekend of cleaning, sealing, and checking drainage can help you avoid costly water damage — and coverage surprises. Don’t wait for the rain to fall — protect your home before the storms hit.
As the crisp air of fall approaches, your gutters and basement become your home’s frontline defenders against costly water damage. A few hours of seasonal upkeep—clearing gutters, sealing cracks, testing the sump pump, and redirecting runoff—can mean the difference between security and unwanted expenses. Don’t wait until the rain pours—act now to protect your home (and your wallet).