By Sarah Macklin 
Summer may not be over just yet, but signs of an early autumn are already here. Many parts of the UK have experienced what’s being dubbed a “false autumn”, with leaves falling earlier than usual and searches for “blocked gutters” shooting up by 5,000% according to Google Trends.
While the change in seasons can feel cosy (candles, log fires, crisp evenings), it also brings a new set of home maintenance challenges. And if you’re not careful, some of those seasonal slip-ups could cost you dearly when it comes to your home insurance.
The landlord insurance specialists at Alan Boswell Group have highlighted the most common autumn mistakes homeowners make, along with advice on how to avoid invalidating your policy.
1. Letting gutters and drains clog up
With leaves falling earlier this year, blocked gutters are becoming a big issue. While it may not seem serious, clogged drains can stop rainwater from flowing away properly, leading to leaks, damp, and even structural problems.
If your insurer believes the damage happened because of poor upkeep, they could refuse your claim or bump up your premiums. Most policies expect homeowners to take “reasonable care” of their property.
Top tip: Clear gutters at least a couple of times a year, starting as early as September if the leaves are already dropping. If you can’t safely reach them yourself, call in a professional to make sure water can flow freely.
2. Forgetting to service your boiler or heating system
Autumn is when most of us switch the heating back on after months of disuse. But if your boiler hasn’t been serviced, it’s more likely to break down, or worse, cause leaks. Insurers may not cover damage caused by a lack of maintenance.
Top tip: Run your heating for 30 minutes before the cold really sets in to check everything’s working. Book a yearly service with a Gas-Safe engineer, which not only keeps the system running efficiently but also provides proof of maintenance if you need to make a claim.
3. Misusing candles and fireplaces
As the evenings draw in, it’s tempting to light candles or gather round the fire, but open flames are one of the most common causes of autumn and winter house fires. Leaving candles unattended, skipping chimney sweeps, or using fireplaces without proper checks could all spell trouble for your insurance claim if something goes wrong.
Top tip: Blow out candles before leaving the room, use sturdy holders, and keep them away from curtains and furniture. Chimneys should be swept at least once a year by a professional. Don’t forget to test your smoke alarms weekly too.
4. Ignoring home security as the nights get darker
Burglaries typically rise in autumn and winter when homes are left dark for longer periods. Many insurers expect “reasonable security measures” to be in place, so a break-in caused by an unlocked door or window could complicate your claim.
Top tip: Make sure all locks are working properly and used whenever you’re out. Timer switches and motion-sensor lighting can make it look like someone’s home. Always double-check windows and doors are locked before leaving the house.
5. Leaving garden furniture and items unsecured
Those autumn winds can turn trampolines, bins, and patio furniture into dangerous projectiles. Not only could they damage your home, but they could also damage a neighbour’s property, leaving you liable if insurers decide you didn’t take proper care.
Top tip: Store away or secure anything that could blow over. Simple measures like furniture covers, anchor kits, or moving items into a shed can save a lot of hassle.
What do the experts say?
Heath Alexander-Bew, Director at Alan Boswell Group, stresses the importance of regular checks:
“Autumn brings its own set of risks, from blocked gutters to heating failures and increased burglary rates as evenings get darker. Insurers expect a reasonable level of care from homeowners, and failing to prepare for the season can leave you exposed if you need to make a claim. By carrying out regular inspections and reviewing your policy, you can ensure that your cover remains valid and your home protected as we head into the colder months.
“Reading and having a full understanding of your policy can also help you to identify what is and isn’t covered, as well as making you aware of any potential adjustments that may be needed for changes in your home or possessions. Additionally, checking your insurance regularly can help avoid paying too much or having insufficient cover. Even if you don’t think any changes are necessary, it is recommended to renew your insurance annually, as well as after any bigger life events that could affect your insurance needs.”
A little preparation goes a long way when it comes to autumn home maintenance. Clear those gutters, book the boiler service, secure the garden furniture, and give your home security a once-over. Not only will you protect your property, but you’ll also keep your insurance valid, so if the worst does happen, you won’t be left out of pocket.
