Title: Your Plano Home Isn’t Ready for Winter Just Yet: 8 Things to Check This Fall
Author: lindsey
Published: September 4, 2026

---

#  Your Plano Home Isn’t Ready for Winter Just Yet: 8 Things to Check This Fall

In Plano, fall can feel like a welcome break from the Texas heat. Cooler mornings,
football season, changing leaves, and finally opening the windows again.

But before you settle into the season, your home deserves a little attention too.

Texas weather has a way of changing its mind. A mild fall can quickly turn into 
freezing temperatures, heavy rain, strong winds, or an unexpected cold snap. Taking
care of a few things around your home now can help you avoid bigger headaches later.

Here are eight areas worth putting on your fall home-maintenance list.

**1. Don’t Forget About Your Outside Faucets**

Outdoor plumbing is easy to overlook—until a freeze arrives.

Check your exterior faucets and exposed plumbing for leaks or damage. Disconnect
garden hoses and consider insulating exposed pipes before freezing temperatures 
move into the forecast.

Knowing where your home’s main water shut-off valve is located is also important.
If a pipe does freeze or burst, knowing how to quickly shut off the water can help
limit the damage.

**2. Give Your Roof a Once-Over**

You don’t need to climb onto the roof to spot every potential problem.

From the ground, look for missing or damaged shingles, damaged flashing, sagging
areas, or anything that looks out of place. You can also check your attic for signs
of moisture or previous leaks.

If you notice something concerning, have a qualified professional take a closer 
look.

**3. Clean Out the Gutters**

Those beautiful fall leaves eventually end up somewhere—and many of them end up 
in your gutters.

Clogged gutters can prevent water from draining properly and may contribute to water
intrusion, damaged siding, or problems around your home’s foundation.

Clear out leaves and debris and make sure your downspouts are directing water away
from the house.

**4. Test Your Heating System Before You Need It**

The first genuinely cold night of the year is not the ideal time to discover that
your heater isn’t working.

Have your HVAC system checked if it’s due for service, replace your air filter, 
and make sure your vents aren’t blocked.

If you use a fireplace, have it inspected and cleaned as recommended. And if you
use space heaters, make sure they’re in good condition and positioned safely away
from anything that could catch fire.

**5. Look Around Your Trees**

Take a walk around your property and look up.

Dead branches, damaged limbs, and trees that have become unstable can create problems
when strong winds or severe weather move through North Texas.

Pay particular attention to branches hanging over your roof, driveway, vehicles,
fences, or other structures.

**6. Check Your Doors and Windows**

Fall is a great time to find the small gaps that you may not notice during the summer.

Inspect weatherstripping around doors and windows and look for cracked or deteriorating
caulk. These areas can allow drafts and moisture into your home.

A few small repairs now can make your home more comfortable once temperatures drop.

**7. Look Beyond the House**

Your home isn’t the only thing on your property that may need attention.

Check fences, sheds, detached garages, outdoor structures, irrigation systems, and
other property features for damage or wear.

It’s also a good time to make sure items that could become dangerous during high
winds—such as loose outdoor furniture or decorations—can be secured or stored.

**8. Know What Your Insurance Policy Actually Covers**

Home maintenance and homeowners insurance serve two different purposes.

Maintenance helps you take care of problems before they happen. Insurance can help
protect you when covered, unexpected damage occurs.

That’s why fall is also a good time to review your homeowners policy.

Have you renovated your home? Purchased new furniture, electronics, jewelry, or 
other valuable belongings? Added a pool or other outdoor feature? Your coverage 
may need to change as your home and circumstances change.

It’s also important to understand your deductibles and whether certain risks require
separate coverage. For example, flood damage is generally not covered by a standard
homeowners policy.

**A Little Fall Maintenance Can Go a Long Way**

You don’t have to spend an entire weekend tackling every project on this list.

Start with the things that could cause the biggest problems if they’re ignored: 
plumbing, the roof, gutters, heating equipment, trees, and potential water entry.

Then take a few minutes to review your insurance coverage.

Because while you can’t control what Texas weather decides to do this winter, you
can control how prepared your home is when it arrives.

**Have questions about your homeowners insurance? Sterling Insurance Group is here
to help you understand your coverage and make sure your policy keeps up with your
home and your life.**

#### Would You Like Us To Review Your Policies?

 * Are you a current client of our agency?*
    -   Yes
    -   No
 * What policy number(s) do you need help with if available?
 * |  |  [](https://www.sterlinginsnow.com/your-plano-home-isnt-ready-for-winter-just-yet-8-things-to-check-this-fall/void(0);?output_format=md)
   [](https://www.sterlinginsnow.com/your-plano-home-isnt-ready-for-winter-just-yet-8-things-to-check-this-fall/void(0);?output_format=md)
   |
 * What is the nature of your inquiry?*
    -   General Question
    -   ID Card Request
    -   Policy Change Request
    -   Discuss A Claim
    -   Certificate of Insurance
 * Describe your policy change request
 * What date do you need this policy change/request to take effect?*
 * Which vehicle do you need an ID card for (please enter year, make, and model)?
 * | Year | Make | Model |   | 
   |  |  |  |  [](https://www.sterlinginsnow.com/your-plano-home-isnt-ready-for-winter-just-yet-8-things-to-check-this-fall/void(0);?output_format=md)
   [](https://www.sterlinginsnow.com/your-plano-home-isnt-ready-for-winter-just-yet-8-things-to-check-this-fall/void(0);?output_format=md)
   |
 * Your Name*
 *    First    Last
 * Your Email*
 * Your Phone*
 * Please list the Additional Insured and/or Certificate Holder
 * Additional Insured and/or Certificate Holder Address
 *    Street Address   Address Line 2   City   State / Province / Region   ZIP /
   Postal Code
 * Details regarding your question, policy change, claim or other request:*
 * hCaptcha

### Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at The Sterling Insurance
Group is here and ready to make the process as painless as possible. We look forward
to meeting you!

 [ Start Here ](https://www.sterlinginsnow.com/quotes/?output_format=md)