Tennessee may not see a lot of hurricanes, but it’s certainly impacted by these weather events as they move inland. Even after a hurricane has been downgraded to a tropical storm, it can dump several inches of rain on the Volunteer State in a matter of hours. As such, it’s essential to review your homeowners insurance policy to see in it covers water damage and possibly purchase adequate flood insurance, especially in areas prone to flooding. Even with sufficient coverage, though, it’s wise to take steps to minimize potential damage when the forecast calls for heavy rain. 

3 Tips on Preparing for Heavy Rain 

1. Clean Your Gutters

If your gutters are clogged with leaves, branches and other debris, they're not going to function as they should when storms strike. To ensure your gutters and downspouts will effectively carry water away from the home, thereby protecting both its roof and foundation from pooling water, clean them periodically. If you don’t have the proper ladder or safety equipment to do so, contact a local contractor. 

2. Check Your Sump Pump

If your home has a sump pump in a basement or crawlspace, make sure it’s in good working order before the next big storm. The last thing you want in the middle of heavy rainfall is a total system failure. 

3. Seal All Potential Openings 

Make sure all doors and windows are watertight when closed and that their seals have not deteriorated over time. Unless the roof is brand new or was inspected after the last storm, you should also check it for potential vulnerabilities. While up there, examine the chimney cap, as well. Finally, walk around the foundation looking for cracks that need to be sealed before it starts raining. 

By following these suggestions, you may be able to avoid damage that could result in a large property insurance claim. For more information on protecting your property, get in touch with the team at Farmers Mutual of Tennessee. Since 1913, they have provided quality homeowners insurance coverage at an affordable price to residents throughout the state of Tennessee. Their local independent agent will be happy to help you find the right coverage for your home, mobile home, rental dwelling, or farm at a price that suits your budget. Give Farmers Mutual of Tennessee a call today at (800) 824-9555 to discuss your flood insurance needs, and visit them online for more information.