It is never too late in the season to take the necessary steps to help protect your home from summer storms and extreme weather occurrences. From June to October, heavy rainstorms, wind, lightning strikes and even hail can occur suddenly and with devastating consequences. In the article below, we will discuss what steps you can take to help prepare before emergency weather strikes.
Around the House
- Take the time to inspect your home’s foundation for any cracks, which could allow water to leak into your basement and repair them.
- Eavestroughs and downspouts can collect leaves, dirt, and debris. Clean these out and routinely inspect to ensure that they remain clear.
- Landscape around your home to ensure that the soil slopes away from your foundation.
- Have protective coverings installed for any skylights on your roof and use protective shields for your HVAC equipment.
- Install impact-resistant shutters over large glass windows and doors.
Review Your Home Inventory
Should an unfortunate circumstance occur and you are faced with having to submit a claim, having an updated record of your home inventory can ensure the process is handled quickly and smoothly.
Take photos of every room, including the content in your closets, basement, attic, and backyard. Open the drawers in dressers, cupboards or storage boxes to snap photos as well. Keep all your photos along with copies of your receipts in a safe and secure spot. Today, there are many smartphone apps which are designed to take and record your home inventory. These apps, or keeping a folder yourself come in handy as you can provide the details to your insurer immediately after any damage has occurred to your home as a result of a storm or extreme weather occurrence.
Know Your Policy
Making sure you have the proper insurance coverage is important. If you have recently renovated, make sure that your new home improvements are insured and that you have enough coverage. Also important is knowing what exactly your policy covers. Some homeowners policies may not automatically cover sewage and drain backups, which can cause expensive damage if water and/or sewage backs up into your home. Additional coverage can usually be added to your existing policy by way of an endorsement. Common policy endorsements include:
- Sewer Back-Up
- Water and Sewer Lines
- Overland Water
- Ground Water
Sign-Up for Alerts
Many weather networks now offer a subscription for emergency weather updates. Subscribe to one that covers your region to be notified of any unexpected storms or extreme weather. Having a little bit of notice can help you take some last minute precautions such as storing outdoor patio furniture, parking your car in a garage and closing all windows.
They say that an ounce of prevention is worth a pound of cure. Preparing your home and being organized in case you need to submit a claim can save you a lot of hassle should you be faced with heavy summer storms or any other type of extreme weather.
To find out more about how you can save on your home insurance policy, contact an experienced professional at Bow Valley Insurance for a free, no-obligation quote.