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Figuring out how to protect your home from weather damage is absolutely crucial, especially if you live in the Midwest. Hailstorms are one of the biggest threats to this particular location and can cause thousands of dollars in damage from huge dents to both your home and car. Fortunately, there are things you can do to help keep your home safe. Here are the best ways to protect your home from severe weather.
Secure Your Windows
If you don’t have storm shutters for your home’s windows, they’re definitely a good investment. There’s nothing worse than waking up to a broken window because there wasn’t any protective cover on them. If your windows are looking shaky or they’re getting up there in years, it may be worth having the windows in your home replaced. It’s also worth considering that while the average time to sell a property right now is between six and 12 months, old or damaged windows might extend that period considerably. Not only can hail storms hurtle balls of ice, but wind storms can make your home cold and drafty. When you replace your windows, you’re ensuring safety and energy efficiency.
Remember Your Roof
A roof that’s in good condition is your home’s best defense against storm damage. If your roof hasn’t been inspected or repaired in a while, it’s high time to get on that. Missing or damaged shingles could be a home hazard during a storm. Even a metal roof could benefit from an inspection before a storm. Whether your metal roof is made of recycled steel or it’s brand new, make sure it’s prepared to withstand some storm damage. In addition, consider sealing around your home’s chimney. Cleaning out your gutters and downspouts can also help prevent water damage to your home.
Carefully Inspect Your Home Insurance Policy
It’s a good idea to carefully inspect your home insurance policy on a regular basis to make sure you have the coverage you truly need. Your home insurance policy can protect you from many types of losses from severe weather but it doesn’t include everything. Protection from hail storm damage and flooding is generally not covered.
However, there was $1.8 billion dollars in property and crop damage from 6,045 hail storms in 2017, according to statistics from NOAA’s database. Currently, there’s approximately $22 billion in damages across the U.S. to homes, cars, and other property from these devastating storms. And that’s not even including storm damage from Hurricane Michael that totals almost $25 billion.
Your insurance may not cover hail damage to your vehicle either. Consider purchasing extra insurance protection that includes paintless dent repair if you live in heavily impacted areas. Taking pictures and videotape everything you own for insurance proof is also a good idea. Be sure to store this information in a safe place.
How To File A Claim
If your home or vehicle does acquire damage from the effects of a hailstorm, you will need to know how to file a claim with your insurance company. You can either call them or fill out a form online, if that option is available. They will want to know the date the damage occurred, where the damage happened, and your insurance policy number.
Make sure to have that information available at your fingertips prior to giving them a call. If the damage happened to your vehicle, they will ask you for the make and model. You will then be assigned to an insurance adjuster. The adjuster will come to your home to ask questions regarding your claim and assess the damage. They will also help you through the repair process and answer any questions you may have.
Your home and family are your most valuable assets. Be sure they are properly protected by making sure you’re properly covered with the best insurance coverage for your needs. Consider including paintless dent repair coverage for your vehicle as well. By properly protecting yourself, you can save yourself thousands of dollars in needless costly repairs and have peace of mind the next time a big storm hits.