Storms are a common occurrence throughout the year. When severe, storms can cause a significant amount of damage to homes and surrounding property.

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Taking preventive measures to prepare and protect your home during a storm will not only give you and your family peace of mind but save you money.

Know Your Home Insurance Policy

prepare home for stormsYour home insurance policy is there to help protect your interest in your home when natural disasters occur. Know what your home insurance policy does and does not cover. For example, if you live in an area prone to flooding or earthquakes, your lender may have required you to have insurance before approving the loan.

Clear Limbs & Prune Trees

Trees add beauty and value to your property but can be a danger in storms. Clear limbs from your yard and hire a licensed, certified arborist to prune your trees. The arborist will remove all dead, dying, diseased, and unstable limbs to make your trees beautiful and safe.

Check & Clean Your Gutters

Regularly check and clean your gutters of all debris and fix damaged areas as soon as possible. Clean, working channels are essential in keeping rainwater away from the home’s foundation during a storm. Gutters will also protect your roof from water damage.

Secure All Outdoor Furniture

Make sure that all outdoor furniture and objects are secured before a storm, preferably indoors. This includes toys, grills, and patio sets. Loose furniture and equipment can cause damage to the exterior of the home.

Keep All Important Documents & Valuables In A Safe Place

Critical documents and valuables need to be kept in a safe place protected against water and fire. A safe box can either be rented at your bank or bought online. Keep on hand:

  • Birth and death certificates
  • Home information, including mortgage, home insurance, and more
  • Medical records

Make an inventory of your home to keep for insurance records and email it to yourself and a trusted friend or family member from outside your region for safekeeping.

Consider Investing In A Generator

Blackouts can be dangerous, especially in extreme weather like heat and cold. To protect your home and family during extended blackouts, consider investing in a home generator. A generator will keep your home’s essential appliances, like the fridge and lights, powered. Carefully research your options to find the best generator for your needs.

This list is not comprehensive so go through your home to prepare it for your unique situation. For example, if you live in an area prone to hurricanes, have hurricane shutters to protect your windows. If your basement is prone to flooding, have a sump pump installed.

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The above information is for educational purposes only. All information, loan programs and interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.