Summer weather can be unpredictable. One moment it’s sunny and calm, and the next a fast moving storm brings heavy rain, strong winds, or hail. These sudden weather events can cause significant damage to homes, vehicles, and personal property.
Taking time to review your coverage before storm season ramps up can help you avoid surprises if severe weather hits.
Common Summer Storm Risks
Summer storms can bring a variety of risks, including:
- Wind damage to roofs, siding, and windows
- Hail damage to homes and vehicles
- Fallen trees and branches
- Heavy rain and water intrusion
- Power outages and related damage
While many of these events are typically covered under standard homeowners policies, deductibles, and coverage limits can vary. Understanding your policy ahead of time helps you prepare and plan accordingly.
Don’t Overlook Flood Risk
One of the most common misconceptions about homeowners insurance is flood coverage. Standard homeowners policies typically do not cover flood damage. However, flash flooding can occur quickly during summer storms, even in areas that are not traditionally considered flood zones.
You may want to consider your flood risk if you:
- Live near streams or low-lying areas
- Have experienced heavy rain in the past
- Have a finished basement
- Live in an area with poor drainage
Even a few inches of water can cause costly damage. Reviewing your options ahead of time can help you determine if flood insurance makes sense for your situation.
Protecting Outdoor Property
Summer storms can also impact outdoor items and structures. Patio furniture, grills, landscaping, and detached structures are all vulnerable during severe weather.
Simple preventative steps can help reduce risk, such as:
- Securing outdoor furniture and equipment
- Trimming tree branches near your home
- Cleaning gutters and drainage areas
- Storing valuable outdoor items when storms are forecasted
Preparation and proper coverage go hand in hand. Taking a proactive approach now can help you minimize stress if severe weather occurs.
Want to review your coverage before the next storm rolls in? Contact Gannon Associates Insurance at 844-GANNONS or email us at learnmore@gannonassociates.com. We’re here to help you stay prepared this summer.
