The cold and dreary days of winter have finally subsided, and spring is in full bloom. However, the change in season doesn’t automatically mean that inclement weather is eliminated from the forecast. Some of the harshest storms are known to occur during springtime, bringing heavy rain, high winds, and hail. Without preparation, this can result in serious damages. Make sure your home is properly protected against whatever Mother Nature has in store. The following tips will help you avoid a costly home insurance claim.
A Homeowner’s Guide to Preventing Storm Damage
How to Prepare Before a Storm
There are many steps you can take to improve your home’s defense against severe weather. Before a storm threatens substantial damage, start by checking your roof. Winter snow and ice can wreak havoc on a roofing system, leaving it in no condition to withstand spring storms. Have it inspected for missing or broken shingles, chimney cracks, and damaged flashing.
Next, clean the gutters. Remove any leaves, twigs, and other debris that have settled in your gutters to ensure they function as intended. When they’re clogged they can’t move rainwater away from your home’s foundation or prevent it from overflowing onto your roof and seeping inside. Once your gutters are clear, seal your doors and window. Make sure all of their crevices are sealed tightly with caulking or weather stripping to keep heavy rain from blowing inside and causing water damage.
Lastly, secure loose items in your yard. If you know a storm is coming, tie down or clear your yard of all outdoor furniture, toys, lawn ornaments, and gardening equipment. These items can be dangerous in high winds if they get picked up and slammed into your home.
How to Minimize Liability for Additional Damages
If your home suffers spring storm damage, make temporary repairs wherever possible to prevent further issues. For instance, if shingles are missing, place a tarp over the affected area to keep rain out of your home, and prune any tree limbs that are dead before they snap off and injure someone or damage your home. Minimizing the risk of additional problems will show that you’re a responsible homeowner and will help with the assessment of your home insurance claim.
Ensure that you have adequate home insurance before any spring storms arrive. The professionals at Texas County Mutual Insurance will review your current policy and explain exactly what it does and doesn’t cover. If your home is insufficiently protected, they will assist you with shopping for new plans that will fit your coverage needs and budget. For more than a century, the company has been an established part of the Licking, MO, community and entrusted to provide countless residents with high-quality insurance solutions. Call (573) 674-3125 to request a quote, or visit their website to learn more about their home insurance services.