Life is complicated, insurance doesn't have to be.
Spring is a wonderful time of year. Unfortunately, spring can also
come with rain, hail, high winds, tornadoes and whatever else Mother
Nature has in store. Preparing before a severe storm hits is essential
to potentially reducing storm damage to your home.
Here’s 10 quick and easy home tips you can use to prepare for
the upcoming storm season.
1. Designate a safe place in your home to take
shelter during a storm. This is ideally in the
lowest level of your home with few windows or large furniture.
Make sure all your family members know this is where to go in the
event of a big storm.
2. Prepare a safe place for your pet(s).
If you have pets keep in mind that storms, especially
severe storms, will affect them too. Create a sleeping
and eating area for your pets within the designated
safe place of your home. Be sure to stock extra food,
treats, and water.
Storm Damage & Homeowners Insurance: 5 Things You Need to
3. Prepare an emergency
kit. It's a good idea to stockpile crucial items to
help your family get through any power outage or delay in
aid after a storm. Items to consider are:
4. Check any wall air conditioners. Disastersafety.org
recommends checking your wall air conditioners. Since these appliances
essentially exist in a hole in your home, it's important to make sure
they're sealed correctly. Specifically check:
5. Test your sump pump. Make sure the
system is draining properly and mechanical components are
operating well. Consider battery-powered backup options in case
there is a power outage.
6. Clean your gutters. When the rain
comes, you need a clear drainage path away from your roof.
This will prevent water from pooling at your house's
foundation and possibly entering your basement.
7. Secure your gutters. Make sure all
downspouts and extensions are in place and are the proper
length to move water away from your foundation. It's
generally recommended to divert water about 10 feet away
from your home.
8. Make sure your trees are
pruned and healthy. Windstorms can do a lot of
damage. Get rid of trees that pose a potential risk for
falling on your home or on another property you value.
9. Secure your outdoor gear. This includes
furniture, tools, mowers, etc. If they are not in use, put them
away or tie them down. These can become either damaged or the
cause of damage in a high wind situation.
Storm Damage & Homeowners Insurance: 5 Things You Need to Know
10. Stay informed. Make sure you have a way of
getting weather notifications. Several free weather apps will send
you a push notification when severe weather is in your area. Keep
in mind storms can come in the middle of the night. So, be sure to
allow notifications and keep the sound on to hear the alerts. There
are also weather radios you can use in your home that will alert you
of severe storms any time of day.
Preparation before severe storms can make a huge difference
in not only reducing storm
damage but also the stress on you and your family. By implementing
these simple home tips, you may be able to make this season's severe
storms feel a little less severe.
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approved/available in all states. Limitations and conditions
may apply. Premium will be based on benefits chosen and
policy rates available at time of application.
Disclaimer: This article is not expert advice. The
analysis of coverage is in general terms and is superseded
in all respects by the Insuring Agreements, Endorsements,
Exclusions, Terms and Conditions of the Policy. Some of the
coverage mentioned in this material may not be applicable in
all states or may have to be modified to conform to
applicable state law. Some coverages may have been
eliminated or modified since the publishing of this
material. Discounts may not be available in all states.
Limitations and conditions may apply. Premiums will be based on
benefits chosen. Please check with your local Independent
Auto-Owners Insurance Agent for details."
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