Home Insurance, Homeowners Insurance, Insurance News
August 27, 2020
Risk Management Tips for Storm Season

August through October is the most active time for hurricanes and tropical storms in our region. Thankfully, the Northeastern U.S. does not usually get the brunt of the winds and rain, but homes and businesses are still at risk. Flooding and other types of water damage are among the biggest concerns, and can leave a huge mess — literally and figuratively — for property owners to deal with.

That’s why we’re sharing a few practical tips to guard your property against storm damage. Taking these steps will help reduce the damage that occurs, but it will also put you in a better position should you need to file an insurance claim.

Check Your Pipes

Take time to check for signs of leaks. These can include unusually high water bills, mold or mildew growth, water stains on walls, and warm spots on your floor. This is an easy (but highly important) way to avoid potentially catastrophic damage.

Get the Right Sump Pump

If you have a sump pump, it’s important to make sure it’s sized correctly for your needs. If it ends up being the wrong size, not only could you be in for more damage than you bargained for, but a claim is likely to be denied if the sump pump is found to be functioning properly otherwise.

It’s also a good idea to invest in a battery backup system for when the power goes out or your primary pump fails. You’ll thank yourself if you end up needing it!

Regrade Your Yard

Some properties have terrible drainage, and it can be more than just an annoyance — pooling near the home can cause serious damage to its foundation. If you’re concerned about this, it might be worth investing in a grading service to level out the land.

Clean Out Your French Drain

If you have a French drain, make sure it is free of clogs and functioning properly. While there are DIY solutions for this, the safest route is to use a professional drain cleaning service about once per year.

Seal Your Roof

Weak roof coverings are bound to leak and let water in, which is a recipe for disaster. Sealing your roof will add a protective barrier (and also help it last longer).

Taking a risk management approach to storm preparation will most certainly save you time, energy, and money down the road. If you need more guidance, we’d be happy to talk you through more damage prevention strategies and coverage options. Contact us to schedule a personal risk review!

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