As August rolls around so does the beginning of hurricane season. Late summer thunderstorms become a common occurrence, bringing with them the potential for wind damage, lightning strikes, and other hazards. While Kentucky may not experience hurricanes, it’s essential for homeowners to prepare their homes and review insurance policies to safeguard against the risks associated with summer thunderstorms.
Inspect and Maintain Roofing and Gutters:
One of the primary concerns during summer thunderstorms is wind damage. Inspect your roof for loose or missing shingles and ensure that gutters are clear of debris to prevent water backup. Strong winds can easily lift shingles or debris, potentially leading to leaks or more severe damage. Maintaining your roof and gutters can minimize these risks and help protect your home’s structural integrity.
Secure Outdoor Items:
Strong winds accompanying summer storms can turn loose outdoor items into projectiles, causing damage to your property or neighboring homes. Secure patio furniture, garden tools, and other outdoor equipment to prevent them from being blown away or causing damage. Additionally, consider trimming trees and branches near your home to reduce the risk of falling limbs during storms.
Protect Electronics and Appliances:
Lightning strikes pose a significant risk to electronics and appliances. To protect sensitive equipment, consider installing surge protectors and unplugging devices during storms. Review your homeowners insurance policy to ensure coverage for damage caused by power surges or lightning strikes to electronics and appliances.
Review Homeowners Insurance Coverage:
Before the storm season intensifies, review your homeowners insurance policy to understand your coverage for wind damage, lightning strikes, and other storm-related risks. Ensure that your policy provides adequate coverage limits and consider additional endorsements or riders if you live in an area prone to severe weather. Understanding your insurance coverage can provide peace of mind and ensure financial protection in the event of storm-related damage.
Create an Emergency Preparedness Plan:
Prepare your family for potential emergencies by creating an emergency preparedness plan. Identify a safe shelter within your home and establish a communication plan in case family members are separated during a storm. Assemble an emergency kit with essential supplies, including flashlights, batteries, first aid supplies, and non-perishable food items.
By taking proactive steps to secure your home and review your insurance coverage, you can minimize the impact of summer thunderstorms and ensure that your family and property remain safe during inclement weather. With careful preparation and comprehensive insurance coverage, you can weather the storm season with confidence and peace of mind.
