"Probably the biggest one I see a lot (insurance agent) is people not trimming trees over their roof. Usually the company has something to say about it, and it’s not just because you want to avoid having a giant limb fall onto your roof during a storm, but also because the falling leaves/pine needles will make short work of your roof by encouraging moss, rot, whatever else to propagate.

I’ve told clients if they won’t trim the trees, they’ll want to get up there once or twice a year with a roof rake/broom, so it’s easier to just take down the limbs and be safe"