Unexpected Fall Hazards That Could Cost You: From Falling Branches to Slippery Driveways

​Fall brings beautiful weather and changing leaves — but also hidden hazards that can lead to costly home insurance claims.

​Learn the most common risks to look out for and how to protect your home before winter hits.

---

🍁 A Beautiful Season… with Hidden Risks
Fall in Texas and across much of the U.S. means cooler mornings, golden trees, and crisp air — but it’s also one of the most unpredictable times of year for homeowners.

Between sudden storms, falling limbs, and slick driveways, seasonal changes can cause real damage if you’re not prepared.

Even small issues — like clogged gutters or uneven sidewalks — can turn into expensive repairs or even liability claims.

🌳 1. Falling Branches and Weak Trees
High winds and seasonal storms are notorious for toppling branches or entire trees.

If a branch damages your home or a neighbor’s property, your homeowners insurance will typically cover the repair — but only if the tree was healthy and the damage was sudden.

However, if it’s determined that a tree was already rotting or neglected, insurers may classify it as preventable damage, leaving you responsible for the costs.
Prevention Tips:

• Have trees trimmed at least once a year.
• Remove dead limbs before heavy storms.
• Keep branches away from your roof and power lines.

💧 2. Clogged Gutters and Water Damage
Falling leaves are beautiful — until they clog your gutters.

When water can’t flow properly, it can back up under shingles, seep into siding, or pool near your foundation. That moisture buildup may lead to mold growth, roof damage, or basement leaks.

While homeowners insurance can cover sudden water damage, it generally won’t cover gradual leaks or poor maintenance.

Prevention Tips:

• Clean gutters twice each fall (mid-season and late).
• Install gutter guards to reduce buildup.
• Make sure downspouts drain away from your home’s foundation.

🧊 3. Slippery Sidewalks and Driveways
Wet leaves, early morning frost, or rain-soaked steps create serious slip hazards.

If someone slips and falls on your property, your liability coverage within your home insurance may help — but it’s always better to prevent an accident altogether.

Prevention Tips:

• Sweep and clear leaves regularly.
• Use outdoor mats or textured paint on steps.
• Repair cracks or uneven concrete before winter.

🏠 4. Roof Damage from Early Storms
Fall weather can be unpredictable — one week of sunshine followed by hail or strong winds.

Even minor roof damage can lead to interior leaks and insulation issues later in the season.
Prevention Tips:

• Schedule a quick roof inspection before winter.
• Replace loose or missing shingles.
• Check attic insulation for moisture or drafts.

🔥 5. Outdoor Fire Hazards
Cooler nights are perfect for fire pits — but dry leaves and wind can make them risky.
A single spark can spread fast, especially in drought-affected areas of Texas.
Prevention Tips:

• Keep a 10-foot clearance area around fire pits.
• Never leave fires unattended.
• Store firewood at least 20 feet from your home.

✅ The Bottom Line: A Little Prevention Goes a Long Way
Fall is a time to enjoy — not stress over home repairs.
A few proactive steps now can help you avoid costly claims and protect your home all season long.

At Corin Insurance Group, we’re here to help homeowners stay protected through every season — from fallen leaves to winter freezes.
​
👉 Need help reviewing your coverage? Contact our team today for a quick, no-pressure policy review.

Disclaimer:
Coverage and eligibility vary by policy and carrier. This article is for informational purposes only and not a substitute for professional insurance or legal advice.