Winter Begins in Fall: The Top Checklist for Minnesota Homeowners
Fall in Minnesota doesn’t last long. One week you’re raking leaves; the next you’re scraping frost. That’s why your Minnesota homeowners checklist before winter should start now. A little prep in October can prevent expensive claims once temperatures drop.
Roof and Gutters: Stop Ice Dams Before They Start
Leaves and early snow create the perfect setup for ice dams.
Clean out gutters and downspouts so melting snow drains properly.
Check for loose or missing shingles.
Add attic insulation or improve ventilation if ice dams are a recurring issue.
Trees and Branches: Remove Weak Links
Heavy snow and ice can snap dead or overhanging limbs.
Trim anything near your roof, driveway, or power lines.
Hire a pro for large limbs close to the house.
A quick fall trim can save thousands in winter repairs.
Plumbing: Avoid Burst Pipe Claims
Frozen pipes are among the top winter claims in Minnesota.
Shut off and drain outdoor faucets.
Insulate exposed pipes in garages and crawl spaces.
Keep the thermostat at 55°F or higher when you’re away.
Heating and Fireplace: Test Before You Depend on It
Don’t wait for the first cold snap to learn your furnace is dead.
Replace filters and test your system early.
Clear vents and air intakes.
Have chimneys cleaned before burning season starts.
Review Your Insurance Coverage
Fall is a smart time to confirm you’re properly covered.
Verify that your policy covers wind, snow, and ice damage.
Check limits and deductibles, especially if you’ve updated your home.
Ask about sewer backup or sump pump overflow—common in Minnesota winters.
Smoke and CO Alarms: Simple but Essential
Winter means closed windows and running furnaces nonstop.
Test smoke and carbon monoxide alarms.
Replace batteries.
Add CO detectors on every level if you don’t already have them.
Emergency Prep: Power Outages Happen
Keep these ready before snow season hits:
Flashlights, extra batteries, first-aid kit
Warm blankets, non-perishable food, bottled water
Portable phone chargers and backup heat sources
Final Thought
Winter always comes faster than we expect. This homeowners checklist before winter helps you stay ahead of the damage, not chase it.
If you haven’t reviewed your coverage in a while, contact LCIS Agency for a quick, local review before the first snow flies. We’ll help you confirm your policy actually matches your home and your risks.