As the owner of an insurance agency, one of the topics I’m asked about more and more these days is coverage for damage caused by storms. It's not surprising, considering how extreme weather has become a regular part of our lives. Whether it's hurricanes, tornadoes, or severe thunderstorms, storms that were once considered rare are now happening more frequently. The question is are you and your home prepared for what could be around the corner?
I want to talk to you about two critical aspects of protection: the right insurance coverage and preventative home maintenance. Ensuring you have both of these in place will give you peace of mind the next time the weather turns ugly.
Why Storms Are Becoming a Bigger Concern
Let’s acknowledge that the weather really has been getting worse. We see news stories about unprecedented hurricanes or storms sweeping across regions, leaving behind billions of dollars in damage. What used to be once-in-a-decade occurrences are now annual events, and it’s affecting homeowners in big ways.
Stronger winds, heavier rainfall, and even hail can do a number on your home. While it’s impossible to stop the storm from coming, it is possible to protect yourself from the financial burden they can bring. That’s where insurance comes in but also where many homeowners make mistakes by not having the right coverage.
Understanding Your Insurance Coverage
One of the most important things to review is your homeowner’s insurance policy. Not all policies are created equal, and when it comes to storm damage, the fine print can be tricky. For example, many people assume that their standard policy covers everything, but certain types of storm damage especially from flooding or hurricanes might require special coverage.
Here are a few key things to check in your policy:
Wind and Hail Coverage: Many standard homeowner policies cover wind and hail damage, but make sure to check if there are any limits or exclusions. In areas prone to hurricanes or tornadoes, there may be separate deductibles for wind-related damage. You’ll want to confirm what your policy covers before a storm hits.
Flood Insurance: This is a big one. Flooding is often excluded from standard policies, even if it’s caused by a storm. If you live in a flood-prone area or near a body of water, flood insurance is a must. Even if you're not in a designated flood zone, consider the potential for heavy rainfall overwhelming the local drainage system. Flood damage can happen to anyone.
Roof Replacement or Repair: Roof damage is one of the most common types of claims during storms. Does your policy cover full replacement if your roof is damaged? Or will it only pay for repairs? Knowing the answer could save you a lot of headaches (and money) later.
If any of these coverages are lacking, it's a good time to consider an update. Insurance can seem like an unnecessary expense until the moment you need it. The right policy can be the difference between a quick recovery and a financial nightmare.
Beyond Insurance: Household Maintenance to Weatherproof Your Home
While insurance is your financial safety net, there’s a lot you can do around your home to reduce the risk of damage in the first place. Proactive maintenance not only helps protect your home from severe weather but can also keep your insurance premiums more affordable.
Here are some steps you can take to safeguard your home from storms:
Windows and Doors: These are the most vulnerable parts of your home when it comes to high winds and flying debris. Invest in storm shutters or impact-resistant windows, especially if you live in an area prone to hurricanes. If new windows aren’t in your budget, make sure the caulking and seals around your current windows are intact to prevent water from seeping in.
Roof Maintenance: Since your roof is your home’s first line of defense, keeping it in top shape is key. Have a professional inspect it annually for loose or missing shingles, especially before storm season. If your roof is older, it may be time to consider a replacement. While that’s an investment, it’s much cheaper than paying out of pocket for extensive storm damage.
Yard Cleanup: Trim any overhanging branches and remove dead or weak trees. High winds can turn tree limbs into projectiles that cause serious damage to your home, your car, or even your neighbor’s property.
Gutters and Drainage: Clean gutters ensure water flows away from your home, rather than pooling on your roof or around your foundation. Storms bring a lot of rain in a short time, and clogged gutters can lead to leaks and water damage. Make sure downspouts direct water well away from the foundation of your home.
Sump Pump Check: If your basement is prone to flooding, now’s the time to test your sump pump. It should be in good working order and have a battery backup in case you lose power during a storm.
The bottom-line is that storms are no longer occasional surprises, they’re part of life. While you can’t control the weather, you can control how prepared you are.
If you have any questions about your current policy or if you'd like a review to ensure you're fully covered, feel free to reach out. My team and I are here to help you protect what matters most, your home and family.
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