Autumn in the UK brings crisp mornings, colourful leaves, and cosy evenings. But it also brings seasonal risks for homeowners—risks that can lead to costly damage and even affect your home insurance cover.
At J&K Developments, we know how quickly problems can escalate at this time of year. From blocked gutters to storm damage, insurers often require you to show you’ve taken “reasonable care” of your home. If not, claims could be refused.
The good news is, if damage does occur, our experienced building team is on hand to carry out emergency repairsand provide quotes for insurance work—giving you peace of mind when you need it most.
Here are five common autumn mistakes that could put your property and your cover at risk, plus practical steps to help avoid them.
1. Not Clearing Gutters and Drains
Falling leaves and debris quickly block gutters and drains, stopping rainwater from flowing away from your home. Left unchecked, this can lead to leaks, damp patches, and even structural damage.
If an insurer investigates and finds lack of upkeep was a factor, they may refuse to pay out. September and October are ideal months to clear your gutters—or arrange a professional to do it safely.
And if a blocked gutter has already caused damage, J&K Developments can assess the issue, repair the affected areas, and provide insurance-approved quotations.
2. Skipping Boiler and Heating Checks
Boilers and heating systems often sit unused through the summer, only to be switched back on in autumn. Without servicing, they’re more likely to break down or leak, and insurers may not cover issues caused by poor maintenance.
Get your boiler serviced annually by a Gas Safe engineer, and run your heating for half an hour before the cold sets in to check everything works.
3. Careless Use of Candles and Fireplaces
As nights draw in, candles and fireplaces become popular for warmth and atmosphere. But they’re also a leading cause of fires in autumn and winter.
To stay safe:
Always extinguish candles before leaving a room
Use sturdy holders away from curtains or fabrics
Get your chimney swept annually
Fit and test smoke alarms regularly
If the worst happens, our team can be on site quickly to carry out emergency structural repairs and restore your home.
4. Neglecting Security as Nights Draw In
Burglaries tend to rise in autumn and winter as darker afternoons make it easier for intruders. Many insurance policies expect you to have “reasonable security measures” in place.
Check that locks are secure, use timer lights, and never leave windows open when you’re out. If your home does suffer a break-in, we can help with repairs to doors, windows, and damaged structures.
5. Leaving Garden Furniture and Outdoor Items Unsecured
High winds and heavy rain are common in autumn. Unsecured trampolines, BBQs, or garden furniture can be blown into windows or neighbouring properties, causing expensive damage.
Simple steps like moving items into a shed or securing them with anchors can help. If your property is hit by flying debris, J&K Developments’ builders can provide fast repairs and work with you on insurance claims.
Is Your Home Ready for Autumn?
Autumn is a wonderful season—but it can be tough on your home. By keeping on top of maintenance, you’ll protect your property and keep your insurance valid. And if damage does occur, you can count on J&K Developments’ trusted, family-run team to provide emergency repairs, full quotations for insurers, and lasting solutions.
📞 Call J&K Developments today on 01332 272006 to discuss repair work or book a consultation.
Protect your home this autumn—with a builder you can trust.
