More Ways to Stormproof Your Home

As spring turns to summer, one thing that unfortunately comes along with that change is summer storms. For some people this means frequent downpours or heavy rains. For others it means lightning or the possibility of severe weather. Even for those who don’t live in areas that commonly experience tornadoes or other severe weather, there is still a possibility of damage from things like flooding and high winds. Whether storms are a common occurrence where you live or only infrequent, keeping your home safe during bad weather should still be a concern. You’ve likely already seen suggestions for how to stormproof your home and stay safe during inclement weather. To make sure that you’ve covered all the bases, here are a few additional ways to stormproof your home that you might not have thought of. Stormproofing Your Property There are a few changes that you can make to your property that may significantly reduce the likelihood of storm-related damage to your home. One big thing that you can do is inspect any trees on your property before storm season, and again in the fall to make sure that there aren’t any dead or damaged limbs that could break under pressure. Getting these removed will not only make your trees look better, but will also help protect against home damage or injury from falling limbs. If your home is on a downward slope or located in a low area, you might also consider installing French drains to reroute water away from your foundation. This can be very effective in preventing damage from flooded basements and garages, as the drains will keep a lot of that water from actually reaching your home. Depending on how the French drains are set up and where they drain to, this can move a significant amount of water away from your home during a storm. Upgrading Your Defenses If you’re considering home improvements, there are a few options you might consider. If thunderstorms are common where you live during the summer, installing a lightning rod or other lighting protection components can be a good idea. You also might want to get transient voltage surge suppressors to plug high-value electronics such as computers and televisions into as well, since these help to limit voltage to 1.5 times the normal voltage range. While this is still higher voltage than these devices are used to, they are much more likely to survive without damage compared to the significant amount of voltage they might experience during a lightning strike surge. Other improvements you can make to better protect you during a storm include installing new windows and a new roof. Advances in window and roof materials make them much more durable than they were even a decade ago, and if your windows and roof have been in place for a long time, then they might already be experiencing some wear and tear. Not only will replacing them before the weather gets bad help to prevent leaks and other storm-related problems, but in the event of a big storm, you may even have an installation warranty on your side. Review Your Policies One last thing that you might want to do is look over your homeowner’s insurance and any other insurance policies you have for your property to see exactly what is and isn’t covered regarding storm damage. Flood damage commonly isn’t covered by standard policies, and depending on where you live there may be other storm-related exclusions as well. You definitely don’t want to wind up surprised at your coverage level if you have to make a storm-related claim. If you’re looking for additional coverage or considering changing your existing policy, let HomeKeepr help. Our app can connect you with insurance agents in your area who will make sure you have the coverage you need for whatever problems might come your way. Creating a HomeKeepr account is free, so sign up today!

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Filing a Homeowner’s Insurance Claim

Nobody wants to have to file a homeowner’s insurance claim. After all, filing a claim means that something has gone horribly wrong at home. Maybe it’s damage from a storm, or a frozen pipe that burst, or some other unexpected problem. Whatever the cause, the damage was severe enough that you need to make a claim on the policy that up until now you’d hoped would never actually have to be used. Exactly what’s involved with filing a homeowner’s insurance claim, though? While the filing process is similar to that with other forms of insurance, there are a few things about homeowner’s insurance that might seem confusing if you’ve never really dealt with it before. To make sure that everything goes smoothly, here’s some advice on what to expect when filing a homeowner’s insurance claim. Contacting the Insurance Company The first thing that you need to do to file a homeowner’s insurance claim is to contact your insurance company. This doesn’t mean that you should drop everything and call your insurance, though. Depending on the situation, there may be a few other things that your insurance company tells you to do before they can actually start working on a claim, so you may want to at least get them started first. If your claim involves burglary, criminal damage to your property, or any other legal matter, you’re likely going to want to go ahead and call the police, because your insurance company will require a police report. You’ll also want to shut off the water or gas if necessary and take any other actions that are required to make your home safe. Take pictures (ideally with timestamps on) before you take any action, so that you can show the insurance company what the situation looked like before your intervention, then take additional pictures once you’ve shut things down. This documentation will be important to your claim once it gets started. The Claims Process Once you contact your insurance company, you’ll need to go through the specifics of what happened in as much detail as you can provide. If you had to shut off the water or take any other action, be sure to describe exactly what you did and let them know that you have before and after pictures as well. Point out any safety concerns such as broken windows that need to be boarded up, or any other safety-related repairs that might need to be made, so that your insurance agent can make note of them before you take any additional action. Be sure to take before and after photos of those repairs as well. After your initial call, and any temporary repairs or changes that your agent approved have been made, you’re going to have to fill out some paperwork and take additional pictures and videos to document everything you can about the claim. The insurance company will likely send someone out to inspect your home in person as well, and you may have to go over all of these details again with them. Make copies of all your pictures and videos, and save every receipt related to the incident, including both any materials that were needed for temporary repairs, and things like hotel receipts if the house isn’t safe to stay in until repairs are complete. It may seem like a lot of hoops to jump through, but once the company approves your claim, you’ll be glad that you documented everything. Making Repairs When your claim is finally approved, you’re going to need someone to make the repairs that your home needs. While your insurance company may have some suggestions, in many cases you’ll be free to choose your own contractors and other pros that will work with your insurance company throughout the repair process. HomeKeepr can help with this; create a free account to connect with pros that can get the job done and make your home as good as it ever was.  

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