A common insurance claim in winter months is water damage caused by ice damming. These 'dams' are just that, they are blockages of ice that can form just about anywhere on your roof and they prevent water from flowing off your roof. This water then begins to go backwards up beneath your shingles.
Ice damming causes damage to drywall, wall paper, trim and even flooring. I even had a claim where the water traveled down some electrical conduit to a dining room light fixture. The water proceeded to drip onto a $10,000 dining room table. The homeowner was out of town for a few days and needless to say - the table was destroyed. Sometimes the entry of water into your home comes in behind the drywall and is not apparent… at least not until there’s a major mold issue!
This is the time of year for a little loss control. The leaves are about off the trees and clearing them from your gutters is the first step at loss prevention.