It’s easy to forget to remove your outdoor hoses but make sure you do before it gets too cold. Water trapped in the line can freeze inside your pipes and once it thaws, you’ll have water flowing all over inside your walls.
It’s also a good idea to insulate the spigot once the hose is removed. It’s not a guarantee but does help keep the cold away from your pipes.
Water damage from a roof leak is never a good start to your day. One thing you’ll need to think about is the age and condition of your roof. If your roof is near the end of its useful life, you may be better off replacing it yourself instead of filing a claim. The insurance company will often depreciate your roof based on the age or condition. Depending on your policy, you may be able to recover the depreciation. Some companies offer that option but not all policies are written with that language.
Once you find you have a problem, it’s best to review your policy and then get some estimates. You may be able to get by with a temporary fix until you save up for the new roof.