Summer brings sunshine, barbecues—and powerful storms. From thunderstorms and high winds to hail and flash floods, summer weather can cause serious damage to your home. That’s why it’s essential to prepare both your property and your homeowner’s insurance before the skies turn dark.

1. Understand What Your Homeowner’s Insurance Covers

   Most standard policies include protection against:

   • Wind and hail damage
   • Lightning strikes
   • Fallen trees

   However, flooding—especially from heavy rain or flash floods—is usually not covered. You may need to purchase a separate flood insurance policy.

   Tip: Review your policy to understand your coverage limits and exclusions. Talk to your insurance agent to identify and fill any gaps. 

2. Storm-Proof Your Property

   Preventing damage is just as important as insuring against it. Take these steps to protect your home:

   • Secure outdoor furniture and grills to prevent them from becoming projectiles
   • Trim trees and remove dead branches
   • Clean gutters and downspouts to prevent water buildup
   • Inspect your roof for loose shingles or weak spots
   • Install surge protectors to safeguard electronics

   These proactive measures can reduce the risk of damage—and may even lower your insurance premiums.

3. Create a Home Inventory

   If you need to file a claim, a detailed inventory of your belongings will make the process much smoother. Be sure to:

   • Take photos or videos of each room
   • Record serial numbers and purchase dates
   • Store this information digitally or in a secure location

4. Act Quickly if Damage Occurs

   If your home is damaged in a storm:

   • Contact your insurer promptly
   • Document the damage with photos and videos
   • Make temporary repairs to prevent further damage (keep all receipts)
   • Avoid permanent repairs until your claim is approved

5. Review Your Deductible and Coverage Limits 

   Storm damage can be expensive. Make sure: 

   • Your deductible is manageable—especially your wind deductible, which can be higher than your standard one
   • Your home replacement cost and personal property coverage are sufficient to rebuild or replace your home and belongings

Be Ready Before the Storm Hits

Summer storms can strike with little warning. With the right preparation and insurance coverage, you can weather the season with confidence. Take time now to protect your home, review your policy, and ensure you’re ready for whatever the summer skies may bring.

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