During the winter months, the chances for damaging winds and inclement weather go up. In some cases, routine maintenance and preparations can prevent the need for costly damage and time consuming storm damage insurance claims. Then, spring and summer bring their own risk of severe storms. There are preventive measures you can take year-round to help minimize the risk of damage to your business or property when severe weather hits.
1. Secure Outdoor Items to Prevent Wind Damage
Grills, picnic tables and lawn furniture can become projectiles in high wind scenarios. ‘Batten down the hatches’ as they say—you don’t want your patio umbrella to go spiraling through the air. Consider securing patio furniture with steel security cables if you cannot safely store furniture. Protect your business from preventable storm damage insurance claims
2. Address Drainage Problems Prior to Storm Season
Check your gutters and building drainage before the storm season begins. If your gutters are due for a cleaning, contact a local gutter company to complete the job. Neglected gutters spell disaster as they accumulate debris and standing water. Standing water can backup your business or overflow into your foundation, potentially flooding the basement.
3. Trim your Trees to Prevent Storm Damage
Dead branches are more likely to fall during heavy storms and gusting winds. This can be hazardous to you, your employees, patrons and building. From tree limbs falling on the roof to dead branches getting tangled in power lines, a well-maintained property will help you avoid costly storm damage insurance claims.
4. Inspect your Roof Every Year or Two to Prevent Indoor Storm Damage
Not only does a regular roof inspection extend the life of your roof (saving you money long-term), it allows you to troubleshoot and remedy any issues. It is much easier to fix a small roof problem than a collapsed roof or burgeoning leak that can cause even more damage inside.
Most Common Storm Damage Insurance Claims
Understanding the top causes of storm damage insurance claims can help you proactively prepare.
Common types of storm damage claims:
- Wind damage; Read “Is Your Property Protected?”
- Hail damage
- Water damage
- Frozen pipes; Read “7 Tips to Prevent Frozen Pipes in an Arctic Blast”
- Fallen trees
- Power outages
- Sewer backups
Read our blog post, ‘Power Outages and Business Income Protection” for more information on how business owners can protect their livelihood and bottom line in the event of loss of power.
Who Covers Damage to Building Fixtures? Landlord or Tenant?
Storm Damage Insurance: For Peace of Mind
We all know that things can go wrong even for those who prepare the most. Selecting the right insurance coverage for your business is an important task with many different variables. At Society Insurance, we are here to help you navigate this decision and answer any and all questions. Contact your local society agent for specific coverage questions related to storm damage insurance claims or read more about our claims process here.