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Preparing for Storm Season: A Homeowner's Guide

With storm season fast approaching, it's critical for homeowners to take proactive measures to safeguard their property and loved ones. Mercury Insurance has released a comprehensive checklist, designed to equip homeowners with essential steps to prepare for the challenges that storms often bring, such as flooding and high winds. This preparation can not only protect homes from potential damage but can also save homeowners substantial amounts of money in the long run.

The Importance of Storm Preparedness

Storms can inflict billions of dollars in property damage annually, with flooding and severe weather posing significant risks. According to the National Oceanic and Atmospheric Administration (NOAA), the financial consequences of storm-related damages can be staggering. By following a checklist, homeowners can effectively mitigate these risks and ensure a quicker recovery following severe weather events. Adam Bakonis, Senior Product Manager at Mercury Insurance, emphasizes the significance of taking preventive action before a storm hits, stating, "Storm preparedness is about reducing risk before the first drop of rain falls."

The Mercury Insurance Storm Season Checklist

Below is an organized checklist compiled by Mercury Insurance to guide homeowners through the preparation process:

1. Inspect Your Roof and Gutters

- Examine the roof for any missing or damaged shingles. Immediate repairs can help prevent leaks during storms.
- Regularly clean gutters and downspouts to allow for proper drainage. Clogged gutters are a common cause of water intrusion.

2. Check Windows and Doors

- Assess the condition of weatherstripping, caulking, and seals around all openings to minimize the risk of rainwater entry.
- Consider reinforcing windows with storm shutters or protective window film to enhance protection.

3. Evaluate Foundation and Drainage Systems

- Ensure that the ground near your foundation slopes away to discourage water pooling.
- Inspect sump pumps and French drains for any clogs and test their functionality to ensure they activate automatically.

4. Secure Outdoor Items and Landscaping

- Bring in or secure outdoor furniture, umbrellas, and decorations to prevent them from becoming hazardous projectiles during high winds.
- Trim tree branches that are close to your roof or power lines, as falling limbs can cause extensive damage.

5. Gather Emergency Supplies

- Assemble a kit that includes flashlights, batteries, portable chargers, first-aid supplies, bottled water, and non-perishable food. Expect potential power outages during severe storms.

6. Protect Vehicles

- Park vehicles in garages or under cover whenever possible. If not, avoid low-lying areas that are prone to flooding to reduce the risk of damage.

7. Review Insurance Coverage

- Thoroughly review your insurance policy to confirm that you have adequate coverage for storm-related damages. Many homeowners are surprised to find that flooding typically requires a separate flood insurance policy.

Understanding the Risks

The fines associated with storm preparation extend beyond just physical damage. During a storm, the disruptions can lead to long recovery periods, emotional stress, and financial burdens. Therefore, staying informed about possible risks and responses is key to effectively managing storm season.

Conclusion

Preparing for storm season is not just about reacting to weather conditions; it's about taking strategic steps to protect your home and family. The checklist provided by Mercury Insurance is a valuable resource that ensures homeowners have the necessary tools to face the storm head-on. For more information on storm preparedness, you can visit Mercury Insurance's official website.


Whether you're an experienced homeowner or new to preparing for storm season, taking these outlined steps is crucial. Not only will they help safeguard your property, but they will also provide peace of mind as storm season approaches.