785-625-5605 | 800-999-0474 ☰ ˟
Logo
Call Us 785-625-5605 | 800-999-0474
  • Hogar
  • Nuestra Agencia
    • Acerca deImage of right arrow
      • Nuestro personal
      • Nuestras Ubicaciones
    • Obtenga una cotización
    • Nuestros Transportistas
    • Participación de la comunidad
    • ContáctenosImage of right arrow
      • Principal - Insurance Planning, Inc.
      • Gran curva
      • Hays - AG PRO Seguro de Cosechas
      • Servicios Financieros del IPI
      • Russell - Planificación de Seguros, Inc.
      • Obtenga una cotización
  • Productos
    • Seguro de Hogar y Auto
    • Seguro de AutoImage of right arrow
      • Cobertura de responsabilidad civil
      • Cobertura integral
      • Cobertura de colisión
      • Cobertura de automovilista sin seguro y con seguro insuficiente
      • Deducible decreciente
      • Perdón de accidentes
      • Perdón por violación menor
      • Asistencia en carretera
      • Seguro de Auto Especializado
      • Servicio al cliente las 24 horas
      • Remolque
      • Reembolso de alquiler
      • Protección contra lesiones personales (PIP)
      • Cobertura de pagos médicos
    • Seguro de HogarImage of right arrow
      • Seguro de Propiedad
      • Responsabilidad de los propietarios de viviendas
      • Seguro de inquilinos
      • Seguro de condominio
      • Seguro de Casa Móvil
      • Seguro de propiedad programado
      • Seguro de Propietarios
      • Seguro de negocios en el hogar
    • Otros Seguros PersonalesImage of right arrow
      • Robo de identidad
      • Seguro Paraguas Personal
      • Copia de seguridad de datos
    • Seguro de vidaImage of right arrow
      • Seguro de Vida Individual
      • Seguro de Vida Grupal
      • Seguro de cuidado a largo plazo
      • Seguro de Protección Hipotecaria
      • Seguro de Discapacidad
      • Política de segundo a morir
      • Seguro de Persona Clave (Hombres Clave)
    • Seguro de enfermedadImage of right arrow
      • Seguro de salud individual y familiar
      • Seguro de salud grupal
      • Cobertura dental
      • Cobertura de la visión
      • Seguro de cuidado a largo plazo
      • Seguro de salud temporal
      • Seguro Complementario
      • Seguro de Discapacidad
      • Seguro de Gastos Médicos
      • Seguro de salud infantil
      • Seguro de salud de viaje
      • Seguro de medicamentos recetados
      • HSA
      • Inscripción abierta de Medicare
    • Seguro de Vehículo RecreativoImage of right arrow
      • Seguro de Barco
      • Seguro de Motocicleta
      • Seguro de Autocaravana
      • Seguro ATV
      • Seguro de moto de nieve
    • Servicios financierosImage of right arrow
      • Planificación Financiera
      • Anualidades
      • 401 mil
      • Planes de jubilación
      • Fondos Mutuos
      • Planes de Pensiones
      • Planes de participación en los beneficios
      • IRA tradicionales y Roth
    • Servicios de seguros adicionalesImage of right arrow
      • Seguro para Eventos Especiales
      • Otros Servicios
    • Cobertura para industrias específicasImage of right arrow
      • Firma de Contabilidad de Seguros
      • Seguro de Contratistas de Alarmas
      • Seguro para Arboristas
      • Seguro de Barra
      • Seguro de Box Truck
      • Seguro de Riesgo de Constructores
      • Seguro de concesionario de automóviles
      • Seguro de Catering
      • Seguro comercial de limpieza
      • Seguro de Construcción
      • Consultora de Seguros
      • Seguro de Contratistas
      • Seguro de Contratistas Comerciales Especializados
      • Seguro de Cervecería Artesanal
      • Seguro de Instalaciones Educativas
      • Seguro de Institución Financiera
      • Seguro de garaje
      • Seguro de manitas
      • Seguro de instalaciones de atención médica
      • Seguro de práctica de atención médica
      • Seguro de Contratistas de HVAC
      • Seguros de Bufete de Abogados
      • Seguro de servicios de limusina
      • Seguro de Responsabilidad Civil por Licor
      • Seguro Ganadero
      • Seguro de Contratistas de Mantenimiento
      • Seguro de fabricación
      • Seguros de Medios y Publicidad
      • Seguro de negligencia médica
      • Seguro sin fines de lucro
      • Seguro de Enfermería
      • Seguro de Ortesis y Prótesis
      • Seguro de Piscina y Spa
      • Seguros para Impresores y Editores
      • Seguro de Contratistas Ferroviarios
      • Seguros de Negocios Inmobiliarios
      • Seguro de Restaurante
      • Seguros minoristas
      • Seguro de viaje compartido
      • Seguro de chatarra
      • Seguro de autoalmacenamiento
      • Seguro de Contratistas Sépticos
      • Seguro especializado de equipos para camiones
      • Seguros de Servicios Tecnológicos
      • Seguro de Tractor
      • Seguro de grúas
      • Seguro de perforadores de pozos de agua
      • Seguro Veterinario
    • Cobertura para su negocioImage of right arrow
      • Bonos
      • Seguro de Catástrofes Comerciales
      • Política de Propietarios de Negocios (BOP)
      • Seguro de Auto Comercial
      • Responsabilidad Comercial General
      • Seguro de Propiedad Comercial
      • Seguro Paraguas Comercial
      • Seguro contra delitos
      • Seguro de equipos
      • Seguro de Errores y Omisiones
      • Bonos de fidelidad
      • Seguro de Control de Pérdidas
      • Seguro Marítimo Interior
      • Seguro Marítimo
      • Seguro de avería mecánica
      • Seguro de oficina
      • Seguro de responsabilidad del producto
      • Responsabilidad Profesional
      • Seguro para pequeñas empresas
      • Seguro de responsabilidad civil para pequeñas empresas
      • Fianzas de Garantía
      • Seguros tecnológicos
      • Seguro de transporte
      • Compensación de Trabajadores
    • Cobertura para sus empleadosImage of right arrow
      • Planes de jubilación para pequeñas empresas
      • Jubilación patrocinada por el empleador
      • Beneficios para grupos
      • Seguro de Discapacidad Grupal
      • Beneficios voluntarios
      • Cobertura de salud para jubilados
      • Seguro de salud grupal
      • Seguro de Discapacidad
      • Seguro de Vida Individual
    • Seguro AgrícolaImage of right arrow
      • Seguro de Cosechas
      • Seguro de Propietarios de Fincas
      • Seguro de Ganado Agrícola
      • Seguro Equino
      • Seguro de Equipo Agrícola
      • Seguro de Vivienda Agrícola
      • Seguro de Estructuras Agrícolas
      • Seguro de auto agrícola
      • Seguro paraguas agrícola
      • Seguro de Responsabilidad Civil Agrícola
  • Contáctenos
    • Principal - Insurance Planning, Inc.
    • Gran curva
    • Hays - AG PRO Seguro de Cosechas
    • Servicios Financieros del IPI
    • Russell - Planificación de Seguros, Inc.
    • Ubicación y Horario
  • Pagar ahora
Home > Es-Us > Blog > Fall Home Maintenance Checklist:Things to Do Every Year
SUNDAY, SEPTEMBER 25, 2022

Fall Home Maintenance Checklist:Things to Do Every Year

Feel that nip in the air? Fall has arrived! Here's how to get your home and yard ready for winter before it's too late.

 

Gutter Cleaner

An old plastic spatula makes a great tool for cleaning debris from gutters! It doesn't scratch up the gutter, and you can cut it to fit gutter contours with snips. Grime wipes right off the spatula too, making cleanup a breeze. Don't feel like putting in that much elbow grease? Consider a gutter cleaning robot!

Check Your Detectors

With furnaces turned on, the windows closed and portable heaters humming along, fall is a great time to make sure your smoke and CO detectors are working. Check batteries and expiration dates – smoke detectors are typically good for 10 years, and CO detectors last for about six years.
 
Best Way to Water Lawn: Water in the Fall
Your lawn still needs water in autumn, even though the leaves are changing, the growing season is winding down and your grass isn't growing as fast. Fall watering helps your lawn recover from summer stress and gain strength for the winter ahead. Also, if you fertilize in the fall, watering is necessary for the fertilizer to dissolve and soak into the ground where it's needed. So don't put your hoses or sprinklers away until the ground starts to freeze — your fall grass still needs the water.

Aerate the Soil

Aerating' simply means making holes in the ground by removing plugs of soil. And it's the single most important task you can perform to maintain a healthy, good-looking lawn. It relieves compaction caused by foot traffic and creates extra pore space in the soil, allowing air, nutrients and water to enter. All of that helps roots to thrive. Aerate your lawn at least once a year, preferably in the fall. Or do it twice or even three times each year if you can. You can rent a lawn aerator at any home and garden equipment rental store. Be sure to get one that actually removes plugs of soil rather than one that just pokes holes in the ground.

 Extreme Temperatures

 

Paint doesn't handle extreme temperatures very well. So, if you live in a cold climate, add this to your fall chore list: Bring the latex/acrylic paint into the house. And while you're at it, don't forget the latex caulk. Freezing ruins both latex paint and caulk.

Another temperature-related painting mistake is painting when it's going to freeze. Paint can't dry properly in freezing temps. It will only dry partway and will easily come off when touched. At the other end of the thermometer, painting a hot surface is also a bad idea. The paint starts to dry before you can spread it evenly and can bubble and slough off. Plan your painting to avoid direct sun if possible. Or at least try to paint south-facing walls in the morning or evening when the sun is less intense.

Keep Window Wells Clean or Risk a Broken Window and Wet Basement

 

If you've never had a problem with water in a window well, you may never think to clean it out. Here's what happened to one homeowner who neglected his window wells. After an average rainfall, not even a heavy downpour, a clogged gutter dumped a lot of water next to his house and into his window well. The leaves in the well acted like a pool liner, preventing drainage, and the water level rose higher and higher until the pressure broke the basement windows. Gallons and gallons of water poured into the basement, ruining everything in sight. Unfortunately, he had no insurance coverage for that type of flood. Don't let this happen to you. Keep window wells clean with a cover, available at home centers.

Fertilize in the Fall

If you want the best lawn in town, fertilize four times a year. But if you can only bother to fertilize once a year, you still have a great lawn if you only fertilize in the fall. Choose a fertilizer that's labeled 4-1-2. (Those numbers refer to the percentages of nitrogen, phosphorus and potassium in the fertilizer.) Better yet, ask an expert at a garden center for advice about the best fertilizer blend for your fall grass type and local soil conditions. Apply the fertilizer about three weeks before the last mowing of the season. Fertilizing in the fall provides energy and nutrients for the grass roots as they multiply in cooler weather before the grass goes dormant. The roots store food for the winter as well, which gives the grass an initial growth spurt when it emerges from dormancy in the spring.

Gutter Straightener

 

Ice coming off your roof can bend the spikes that secure your gutters to the fascia board. One simple way to straighten them without removing them is to use a 2-ft. length of angle iron and a link of heavy metal chain. The angle iron and chain link provide sufficient leverage to straighten the spike and pull the gutter back into alignment. Get more easy DIY gutter fixes.

Gutter Spouts

This is an ongoing fall chore that you shouldn't overlook — clean all those wet autumn leaves from gutter spouts before the blockages damage your gutters. Your plumber's snake is a great tool for pulling clumps of wet leaves out of clogged downspouts. Check out more gutter-cleaning tips here.

Cut Grass Short

First, rake and remove all of those dead leaves before the snow flies. Otherwise they'll be sodden mats in the spring and smother the sprouting grass below. (Plus it's lots easier to rake dry leaves!) Then, just this one time of the year, set your mower to cut your grass short, at 1-1/2 or 2-inches. In cold climates, it will reduce the chance of snow mold forming. And tall grass blades won't lie down and smother the new grass next spring.

Winterize Your Sprinkler System

You don't have to pay someone to blow out your sprinkler system. You can do it with your own compressor, but be aware that even the largest home compressor isn't powerful enough to blow out the entire system at once. If you like number crunching and you have the original irrigation layout showing the gallons per minute (gpm) of each sprinkler head, divide the gpm of each zone by 7.5. That'll give you the cubic feet per minute (cfm) you need to blow it out. Otherwise, rent a 10-cfm compressor and hose from a tool rental center. Set the compressor air pressure regulator to a maximum of 80 psi for rigid PVC pipe systems, or 50 psi for flexible black polyethylene pipe. Then turn off the water supply and set the system timer to open just one zone. Next, open the manual drain valve at the end of that zone (if equipped). Then, connect the air line to the blow-out port, as shown. Close off both valves on the backflow preventer. Then remove the plug on the blow-out port and screw in a quick-connect hose adapter. Snap on the air hose and connect the other end to the compressor. Now blow out the line. The heads should pop up and spit out water. Disconnect the hose as soon as they run dry. Don't overdo the blow-out—without water cooling the plastic gears, they can melt in less than a minute. Move on to the next zone and allow the heads to cool. Then go back and blow out each zone a second time.

Drain Garden Hoses or Waste Money on Replacements

I sometimes neglect to drain garden hoses before putting them away for the winter. Usually, it's not a problem. But every once in a while, freezing water splits a hose open. I've lost a few cheap hoses this way and a super-expensive one (ouch!). That's just wasted money because draining hoses is so quick and easy: Blast out the water with an air compressor or stretch them out on a sloped yard or driveway. If you need to buy a new garden hose, learn how to do a simple test, right in the store, to see if the hose will be kink-free! 

Clean Your Chimney

 

How often do you need to have your chimney cleaned? It depends on the moisture content of the wood you burn. If you burn mostly green (wet) logs, have your chimney cleaned or inspected every 50 burns. If you see moisture bubbling out the ends of the logs when they're burning, the wood is wet. This green wood doesn't burn cleanly and sends a lot of unburned particles (smoke) up the chimney, where they build up as creosote and soot. Dry hardwoods, such as oak and birch, burn hotter and cleaner. With them, have your chimney cleaned or inspected every 70 burns. A chimney cleaning costs $225 to $400.

Change Your Furnace Filter

Changing your furnace filter is one of the easiest things you can do to keep your furnace in good shape. If you haven't changed it in a while, make sure you have a fresh one before your turn your furnace on for the first time.

Make a Winter Driving Kit

This kit is overkill for year-round driving, but it could be very useful during winter. It only takes a few minutes to put together and you probably already have most of the stuff!

Get Your Property Ready for Snow

 

Before the snow flies and you start using your snowblower, take a few minutes to inspect your property. Remove rocks, dog tie-out cable, extension cords, holiday light cords and garden hoses. Then stake out paths that run near gardens so you don't accidentally suck up rocks and garden edging. Mark your walk and driveway perimeters by pounding in driveway markers. If the ground is frozen, just drill a hole using a masonry bit and your battery-powered drill.

 

As we move into colder weather, its important to take the necessary steps to mitigate colder weather risks! It also may be a good time to review your current policies to determine if your adequately covered for such winter risks. Call Insurance Planning or visit us in person to learn more! 

 

Posted 10:01 AM

Share |


1 Comments

Margaret Whittington said...
VERY HELPFUL INFORMATION. THANK YOU.
SATURDAY, NOVEMBER 12 2022 5:14 PM

Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021

  • life insurance(2)
  • medicare open enrollment(2)
  • health insurance(2)
  • homeowners insurance(2)
  • home insurance(2)
  • personal finance(1)
  • parents(1)
  • roof age and insurance(1)
  • spring home maintenance(1)
  • emergency preparedness(1)
  • flood insurance(1)
  • prescription drug coverage(1)
  • severe weather risks(1)
  • 2025 medicare(1)
  • legacy planning(1)
  • may review(1)
  • retirees(1)
  • homeowners(1)
  • policy optimization(1)
  • insurance planning(1)
  • weathering the storm(1)
  • insurance updates(1)
  • young adults(1)
  • insurance tips(1)
  • weather damage(1)
  • insurance policy(1)
  • home protection(1)
  • weather related insurance(1)
  • kansas business insurance(1)
  • heat-related illness(1)
  • construction cost increases(1)
  • roof coverage(1)
  • roof replacement cost(1)
  • ipi financial services(1)
  • home maintenance(1)
  • wind hail damage(1)
  • insurance property damage coverage(1)
  • senior health(1)
  • insurance review(1)
  • roof damage(1)
  • risk mitigation strategies(1)
  • medicare plan comparison(1)
  • structural damage(1)
  • home exterior(1)
  • cosmetic damage(1)
  • auto insurance(1)
  • insurance agent(1)
  • worker's comp(1)
  • insurance trends(1)
  • policy review(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
Main - Insurance Planning, Inc. | 3006 Broadway Ave | Hays, KS 67601
Ph: 785-625-5605 | Fx: 785-625-8388
LinkedIn Facebook Twitter Google
Logo

Powered by Insurance Website Builder