Spring brings longer days, blooming flowers, and unfortunately, unpredictable weather. Heavy rains, strong winds, and flooding can cause significant damage to your home if you’re not prepared. Ensuring your home insurance policy is up to date and provides adequate coverage can save you from unexpected financial burdens. Use this checklist to review your policy and make necessary updates before storm season begins.

1. Review Your Current Coverage

Before spring storms hit, take a moment to review your home insurance policy. Check for coverage limits, exclusions, and deductibles to ensure you understand what’s protected. Pay special attention to:

• Water damage coverage – Standard policies may not cover flooding or sewer backups.
• Wind and hail protection – Some policies have exclusions or high deductibles for storm-related damage.
• Additional living expenses – If a storm forces you out of your home, make sure your policy covers temporary housing and other related costs.

2. Consider Adding Flood Insurance

Many homeowners assume their standard insurance policy covers flood damage, but this is rarely the case. If you live in a flood-prone area, purchasing a separate flood insurance policy can be a smart investment. Even if you’re not in a designated flood zone, heavy spring rains and rapid snowmelt can lead to unexpected water intrusion. Contact your insurance provider to discuss your options.

3. Check for Sewer Backup Coverage

Spring showers can overwhelm drainage systems, leading to sewer backups that can cause thousands of dollars in damage. Standard policies often exclude this type of damage, but you can add an endorsement for extra protection. If your home has a basement, this coverage is especially important to prevent costly repairs and loss of valuables.

4. Inspect Your Roof and Gutters

Insurance is just one part of storm preparedness—home maintenance plays a crucial role in preventing damage. Inspect your roof for missing or damaged shingles and clear your gutters to ensure proper water drainage. A well-maintained roof and gutter system can help prevent leaks and water damage, reducing the chances of filing a claim.

5. Secure Outdoor Items and Trim Trees

Strong winds can turn outdoor furniture, garden tools, and tree branches into dangerous projectiles. Before storm season begins, secure or store loose outdoor items and trim any overhanging branches that could fall on your home or power lines. Taking these precautions not only protects your property but can also help avoid insurance claims.

6. Update Your Home Inventory

If a storm damages your belongings, having a current home inventory can simplify the claims process. Take photos or videos of each room, noting high-value items like electronics, furniture, and appliances. Store this inventory in a secure digital location and update it regularly.

7. Speak with Your Insurance Broker

Insurance policies can be complex, and every home has unique coverage needs. If you’re unsure whether your policy fully protects you from spring storm damage, now is the time to consult an expert. An experienced insurance broker can help identify gaps in coverage and recommend policy updates tailored to your specific risks.

Protect Your Home Before the Storm Hits

Spring storms and floods can be unpredictable, but with the right insurance coverage, you can have peace of mind knowing your home is protected. Don’t wait until disaster strikes—review your policy, make necessary updates, and take preventative measures today.

Need expert guidance? Contact ICD Insurance at 905-830-9000 today.

Disclaimer:

At ICD Insurance, we aim to provide accurate, up-to-date information. However, insurance needs vary, and coverage depends on specific policies, locations, and providers. This content is for general information only and may not fully apply to your situation. Please contact your ICD Insurance broker to discuss your specific needs and coverage.