As you get ready for the spring, you’re probably taking on a lot of spring cleaning. After a long winter, it is time to prepare your home for a new season.
Spring brings different weather threats and an increased risk of severe weather. Your home could face costly damages in these cases. If severe weather damages your home, home insurance may help repair the damages.
How Home Insurance Protects Weather Risks
Home insurance for weather damages is sometimes hard to understand. Your property coverage usually provides compensation up to an amount defined in the policy. If your damages are worth more than the policy, you may still have to pay for them out of pocket.
Furthermore, not every home insurance policy covers the same damages. Your home insurance may exclude coverage for hail, tornado or flood damages. If you know the spring weather threats that most commonly affect your home, talk to one of our agents. We can help you get a policy that will address common weather threats to your home.
Preparing Your Home for Spring Weather
As spring weather beckons, take steps to prepare the home for weather damages. If you prepare your home beforehand, you could prevent some potential damages.
Floods and Water Damages
Most standard home insurance policies don’t include flood coverage. For that reason, invest in a flood insurance policy if your home is in a high-risk area.
Take simple steps to prevent home flooding. Check your roof, foundation and sealed areas for cracks or breaks. Also clean out your gutters, and reinforce any drainage ditches or levees around the home.
These are the most common types of spring weather. They could produce hail, tornadoes and flash floods.
If a severe weather front threatens, secure your property.
- Remove any dead vegetation from the area. Dead trees, limbs and other shrubbery could damage the home if they fall or hit the home in high winds.
- Secure shutters, outdoor furniture and appliances so that they don’t become projectiles.
- Ensure that your exterior can structurally withstand severe weather. Check your roof, shingles, siding and brickwork for any pre-existing damages. Repair these so that weather poses a smaller threat than it would to larger damages.
- Look around the home for any exposed gas lines, generators or utility systems. Try to shelter these items as best as possible. Ensure during good weather that these systems are in good working order.
- Store outdoor appliances in secure areas like storage sheds.
Before severe weather strikes, take steps to have the correct home insurance policy. Check with your agents to make sure that you have coverage for common weather events in your area.
Get in touch with Knight-Dik Insurance Agency, Inc. today. We can help you get the correct Worcester home insurance for your property. Go online or call us at (508) 753-6353 for more information.