With the change of seasons, insurance agencies typically witness a host of new property claims. Many homeowners have yet to safeguard their homes for colder weather. Producer Myles Trempe spoke with Reviews.com about how to best prepare for this fall’s seasonal threats.

Myles advises prioritizing the structural foundation of your home for fall preparations. “Repair caulk around doors and windows that may be showing deterioration.”

He added: “Keep fire extinguishers accessible, charged and ready for use. Test all smoke detectors monthly and change the battery annually or as needed.”

At the end of the day, Myles recommends you talk to your home insurance agent. “It is important to have a consultation with a local insurance agent to discuss potential fall risks,” he says. “It is also important to be aware of any exclusions your policy might have. For example, most standard homeowners policies will cover damage caused by hurricanes except for flood damage. Flood insurance is a separate policy that would need to be purchased if you have a greater exposure for flood.”

Read the full Reviews.com article.

Questions about homeowners insurance coverage? Contact Wallace & Turner at (937) 324-8492 in Springfield, (937) 652-8492 in Urbana, or info@wtins.com.