Protecting Your Property During Storm Season: Tips from an Insurance Agent

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In the Midwest it’s a beautiful time of the year, but it also brings with it the uncertainty of storm season. Year after year, we prepare ourselves for the potential onslaught of bad weather, knowing that it can lead to property damage and, in some cases, unforeseen expenses. One of the most common types of property damage we encounter is roof and siding damage, often caused by heavy winds and hail.

Simple and Effective Precautions for Storm Season

While we can't control the weather, there are simple and effective precautions that can significantly minimize property damage during storm season. As an insurance agent, I've seen the difference that basic upkeep can make in protecting homes and families. Let me share some wisdom and specific examples to illustrate my point.

Address Missing or Damaged Shingles Promptly

It's crucial to address missing or damaged shingles promptly. Damaged shingles are more susceptible to break free during high winds, and gaps caused by missing shingles create opportunities for even more damage. Properly installing or replacing shingles with proper nailing techniques is key to their stability. Whether your roof is made of shingles or metal, both types require attention after a hailstorm. Our crews frequently replace both shingle and metal roofs damaged by hail, indicating that the material alone doesn't guarantee immunity from storm-related harm.

Secure Loose Siding

Likewise, loose siding can be a significant vulnerability during storms. Ensuring that your siding is in good condition will add an extra layer of protection to your home.

Clear Gutters and Direct Downspouts Away from Foundation

Keep your gutters clear and ensure that downspouts direct water away from your foundation. Water damage is one of the fastest ways to diminish the value of your property, so taking the time to maintain proper drainage is crucial.

Maintain Your Sump Pump

Maintaining your sump pump is also essential, especially before the rainy season. A functional sump pump can prevent basement flooding and provide you with peace of mind during heavy downpours. For those seeking extra reassurance, having a backup sump pump can be a game-changer in safeguarding your home.

Seal Doors and Windows

Sealing doors and windows may seem like a minor task, but it can have a significant impact during a storm. Even a small opening can allow powerful winds to get underneath shingles or siding, causing severe damage. And in the event of tornadic winds, a small opening in your windows or doors could enlarge and compromise your home's integrity.

Secure Fence Posts

It's not just the roof and siding that need attention—fence posts are often overlooked in storm preparations. Loose fence posts can become dangerous projectiles in high winds. A quick check and tightening of fence posts can prevent potential hazards.

Trim Trees Regularly

Trees on your property can also pose risks, especially if their limbs are not regularly trimmed. Strong winds can cause branches to snap and damage property, vehicles, or even neighboring homes.

Secure Projectiles

A proactive approach to protecting your property involves walking around your premises and identifying items that could become projectiles during a storm. Lawn furniture, tools, flower pots, or other yard debris can be moved indoors or secured in a garage or shed. It's a small effort that can make a significant difference in minimizing potential damages.

Consider Having a Generator for Power Outages

Additionally, consider keeping a generator on hand in case of power outages. A generator can help preserve your food and maintain the livability of your home until power is restored. Investing in standby power can be a wise decision, especially during extreme weather conditions that might disrupt power sources for an extended period.

Protect Your Home, Loved Ones, and Neighbors' Properties

By implementing these tips, you can protect your home, your loved ones, and your neighbors' properties during storm season. Remember, the key to minimizing property damage and expenses lies in preparedness and proactive action. For those seeking comprehensive insurance coverage to bolster their storm protection efforts, reaching out to us to have a knowledgeable insurance agent review your coverages.