As August rolls around, it’s easy to start thinking about cooler temperatures, back to school routines, and the arrival of fall. But summer weather isn’t finished just yet.
Late-season thunderstorms can bring heavy rain, strong winds, hail, and even flash flooding, causing significant damage to homes and property. Taking a few simple precautions now can help protect your home and reduce the risk of costly repairs.
Here are a few ways to prepare before the next storm rolls in.
Inspect Your Roof
Your roof is your home’s first line of defense against severe weather. Look for missing shingles, damaged flashing, or signs of wear that could allow water to enter your home.
If you notice any damage, schedule repairs before the next heavy storm arrives Small issues can quickly become major problems when exposed to high winds or driving rain.
Clean Gutters and Downspouts
Clogged gutters can cause rainwater to back up onto your roof or overflow near your home’s foundation.
Take time to:
- Review leaves and debris
- Ensure downspouts direct water away from your home
- Check for loose or damaged sections
Proper drainage helps reduce the risk of water damage and foundation issues.
Trim Trees and Remove Dead Branches
Strong winds can easily bring down weakened branches, damaging roofs, vehicles, fences, and power lines.
Walk around your property and look for:
- Dead of dying limbs
- Branches hanging over your home or driveway
- Tree showing signs of disease or instability
Routine tree maintenance can help prevent expensive storm related claims.
Secure Outdoor Items
Patio furniture, umbrellas, grills, and lawn décor can become dangerous projectiles during severe storms.
When storms are in the forecast:
- Bring lightweight items indoors
- Secure larger furniture
- Store umbrellas and cushions
- Anchor or move anything that could blow away
A few minutes of preparation can help prevent property damage to your home and your neighbors’.
Know Your Flood Risk
Many homeowners are surprised to learn that standard homeowner’s insurance typically does not cover flood damage.
Flooding can occur even outside of high-risk flood zones, especially after periods of heavy rainfall or rapidly rising streams and creeks.
If your property could be at risk, it’s worth discussing flood insurance with your insurance advisor. Having the right coverage in place before a storm can provide valuable financial protection if flooding occurs.
Create a Home Inventory
If your home is damaged, having an inventory of your belongings can make the claims process much smoother.
Consider documenting:
- Furniture
- Electronics
- Appliances
- Jewelry
- Collectibles
- Tools and outdoor equipment
Taking photos or videos and storing them securely can make it easier to verify what you owned if you ever need to file a claim.
Review Your Insurance Coverage
Summer is also a great time to make sure your insurance coverage still reflects your current needs.
Ask yourself:
- Have you completed any home renovations?
- Have you added a deck, shed, or outdoor structure?
- Have you purchased expensive electronics or equipment?
- Have your home’s replacement costs changed?
An annual insurance review can help identify gaps in coverage and ensure your policy keeps pace with life’s changes.
Be Prepared Before The Storm Arrives
While no one can predict the weather, taking a proactive approach can help minimize damage and make recovery easier if severe weather strikes.
At Gannon Associates Insurance, we’re here to help you understand your homeowner’s coverage and answer any questions you may have about protecting your home, belongings, and family.
