Preparing for Storm Season: Essential Tips for Homeowners
By Jon Stack – Principal Action Insurance Brokers.

As insurance brokers, we know from experience how costly and disruptive a storm can be to your home. Whilst you may have insurance, it would be fair better to protect the home rather than having to lodge an insurance claim.

We understand the importance of safeguarding your home against the unpredictable nature of storm season. Proper preparation can significantly reduce the risk of damage and ensure your safety. Here are some essential steps to help you prepare your home for storm season:

1. Review Your Insurance Policy

• Check Coverage: Ensure your policy covers storm-related damages, including wind, hail, and flooding.
• Update Valuations: Confirm that your home and belongings are insured for their current value.
• Understand Exclusions: Be aware of what is not covered and consider additional coverage if necessary.

2. Secure Your Home

• Roof Inspection: Have a professional inspect your roof for loose or damaged shingles and make necessary repairs.
• Gutter Maintenance: Clean gutters and downspouts to prevent water buildup and ensure proper drainage.
• Window Protection: Install storm shutters or use plywood to protect windows from flying debris.
• Door Reinforcement: Strengthen doors with heavy-duty bolts and ensure garage doors are secure.

3. Yard and Exterior Preparation

• Trim Trees: Cut back any overhanging branches that could fall and cause damage.
• Secure Outdoor Items: Bring in or secure patio furniture, grills, and other outdoor items that could become projectiles.
• Drainage Check: Ensure that your yard has proper drainage to prevent water from pooling around your home.

4. Emergency Supplies and Plan

• Emergency Kit: Assemble a kit with essentials such as water, non-perishable food, medications, flashlights, batteries, and a first-aid kit.
• Evacuation Plan: Develop a family evacuation plan and know the routes and shelters in your area.
• Communication Plan: Establish a way to communicate with family members during a storm, including a list of emergency contacts.

5. Protect Important Documents

• Document Backup: Make digital copies of important documents and store them in a secure, cloud-based service.
• Waterproof Storage: Keep physical copies of essential documents in a waterproof and fireproof safe.

6. Electrical and Utility Safety

• Surge Protectors: Use surge protectors to safeguard electronics from power surges.
• Generator: Consider investing in a generator to maintain power during outages.
• Utility Shutoff: Know how to shut off utilities such as gas, water, and electricity in case of an emergency.

7. Post-Storm Actions

• Damage Assessment: After the storm, carefully inspect your home for damage and document it with photos.
• Contact Your Insurer: Report any damage to your insurance company as soon as possible to start the claims process.
• Temporary Repairs: Make temporary repairs to prevent further damage while waiting for professional help.

By taking these proactive steps, you can minimize the risks associated with storm season and protect your home and family. Remember, preparation is key to weathering any storm safely and effectively. If you have any questions or need further assistance with your insurance coverage, feel free to reach out to me. Stay safe and prepared!