10 Fall Home Maintenance Questions to Ask


When days become shorter and the mercury drops, it’s time to prepare your home for the blustery days of fall and, inevitably, another winter. But, while there are certain preparations you can take to keep Jack Frost at bay, there are also several fall home maintenance tasks to help keep out the dampness and sudden temperature drops of autumn.

Here are some quick fall home maintenance questions to ask yourself this autumn:

1. Is my driveway prepared for the colder weather of fall?

The colder months get the bad rep, but summer is when the true damage to your driveway begins. From ant colonies hollowing out the ground underneath to plants pushing through the surface, most cracks and collapses in your driveway begin well before fall. Be sure to pull weeds, fill in cracks and check for weak or sagging parts of your driveway which could potentially pool water, freeze and, ultimately, lead to expensive repairs.

Note: depending on the material used to construct your driveway, consider hiring a professional to lay down a layer of commercial sealer to help fill cracks and keep out moisture.

2. Are nearby trees going to cause problems this fall?

Although we welcome shade during the warmer months, once the foliage falls and the temperature drops, overhanging branches in close proximity to your house can cause problems. From hitting window panes in high winds to falling on your roof, nearby branches can cause serious damage to your home. If you suspect a nearby tree is too close or is in poor health, consult an arborist to get a second opinion.

3. Is fall moisture going to cause problems to my home’s structure?

Ask a professional to check for any cracks or gaps appearing in your home’s foundation or brickwork. Filling these gaps in with caulking or other sealing materials may help prevent the damage from escalating in the event of a sudden cold snap.

4. Is my home’s roof prepared for the rain and sleet of fall?

The last thing you want on a cold rainy November evening is to see water dripping through your roof. As your home’s first line of defense against the elements, having a healthy roof is paramount to having a healthy home. Consult a professional to check your roof for missing shingles, rotting sections or sections you think are poorly drained. Fixing a weak point on your roof can help prevent expensive damage to your home’s insulation, drywall and electrical system.

5. Are my gutters and eavestroughs clear of fall debris?

Eavestrough and gutter cleaning begins as soon as the majority of leaves have fallen. Over the course of autumn, leaves, sticks and airborne dirt can clog up your home’s drainage system, allowing the possibility for stagnant water and decaying leaves to damage your roof. And, once the cold snaps arrive, ice dams and other nasty things can trigger even more serious problems.

Note: for eavestrough and gutter cleaning, take a moment to ensure they are properly affixed to your home and directing water away from your foundation.

6. Is my furnace ready for the fall chill?

After a long period of inactivity, many people fire up their furnace for the first time in early-fall. Before turning on your furnace, have a professional check your vents and furnace for dust accumulation and clogged filters. A professional checkup also ensures your furnace actually fires up when you hit the ‘ON’ switch at a later date.

7. Is my fireplace ready for use this fall?

To prevent chimney fires or clouds of smoke, be sure to check that your fireplace is in working order before lighting a fire. First take a look up your chimney to see if your fire damper is opening and closing correctly (you should see sky). If there is a bunch of gunk or layers of creosote soot, it might be time to call a professional for a chimney sweep.

8. Am I done with my outdoor machinery this fall?

Once you are done mulching leaves and clearing brush for the season, it’s time to put away your lawnmower, chainsaw and other power tools. But before locking them away in the shed for several months, be sure to properly prepare them for winter. For example, gasoline in a lawnmower needs to be either drained or mixed with a fuel stabilizer to prevent deteriorating fuel from damaging its engine.

9. Is there any need for outdoor water this fall?

Hoses and any sprinkler systems should be shut down for the season as soon as the cooler autumn weather arrives. Not only can a steady drip lead to water pooling and freezing near the foundation of your house, but, if your hoses freeze, ice can back up into outdoor faucets, causing major damage to pipes in your home’s exterior walls. Be sure to drain your hoses completely before putting them away and shut off valves for outdoor faucets.

10. Is my deck protected for fall weather?

Depending on what it is made out of, there are a variety of things to consider when shutting down your patio this fall. While leaves may stain wood if they are not removed, deck accessories, like planters or chairs, can crack if they are not carefully emptied and dried.

Preparing your home for fall is a good precursor to preparing your home for winter. These small tasks and chores can make a world of difference when it comes to helping to protect your house. Paired with the right home insurance plan, fall home maintenance can help you enjoy the shorter days of the year.

Speak to a PC® insurance broker today to see if your home is properly protected by the best home insurance plan for your specific situation.

How to make a claim

Call 1-877-251-8656 to speak with a Claims Advisor.

Renewing your policy

Call 1-877-251-8652 for information regarding policy renewal.

Buying a new policy

Call 1-866-660-9035 for information on obtaining a quote.

Need help?

Take a look at the top 5 FAQs:

  • Why should I have home insurance?

    Why should I have home insurance?

    While the government doesn't require you to purchase home insurance, your mortgage-holder probably will - at least enough to cover its share of ownership. There are various kinds of home insurance that cover general and specific kinds of damage to your home, and you should research your options carefully. You can also buy specialized insurance to cover a condominium, home business, or other kind of property or valuables found in your home.

    Home insurance also includes liability coverage for people who are hurt on your property.

  • Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Most people would be surprised at the value of their personal property if they were to add it up and have to replace it all immediately. Think about your furniture, clothing, electronic equipment-then try to put a price tag to it all. Also, if you've purchased items on credit and they are stolen or destroyed by fire, you could still have to make the payments.

    Tenants insurance also includes liability insurance for damage the tenants or their guests cause to the building, for injuries in the rented home, etc.

  • How can I earn PC Optimum points?

    How can I earn PC Optimum points?

    When you use your President's Choice Financial® MasterCard® to pay your PC home insurance premium, you'll get 20 PC Optimum points per dollar of your premium. If you use your President's Choice Financial bank card to pay your PC home insurance premium, you'll get 10 PC Optimum points per dollar of your premium.

  • What is a deductible?

    What is a deductible?

    A deductible is your share of the amount that needs to be paid to cover the repair or replacement of your covered property before your insurance pays the rest.

  • How are premiums calculated?

    How are premiums calculated?

    The building itself has a lot to do with how your home insurance premiums are set. Many things about your home are taken into consideration including:

    • Its age and size
    • Type of building (detached, semi, high rise, etc)
    • Type of construction (brick, stucco, wood, etc)
    • Type of heating system
    • How close it is to a fire hydrant or fire station
    • Where it is located

See all Home Insurance FAQs


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